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The VA Funding Fee Explained: Who Pays It, Who's Exempt, How Financing It Works

The VA Funding Fee Explained: Who Pays It, Who's Exempt, How Financing It Works

The VA Funding Fee Explained: Who Pays It, Who's Exempt, How Financing It WorksJerry Holland
Published on: 19/08/2026

The VA funding fee ranges from 1.25% to 3.30% depending on your down payment and prior use. Learn how it's calculated, who's exempt, and how to finance it.

VA Loan Assumption: The Equity Gap Problem Nobody Mentions

VA Loan Assumption: The Equity Gap Problem Nobody Mentions

VA Loan Assumption: The Equity Gap Problem Nobody MentionsJerry Holland
Published on: 08/08/2026

VA loan assumption sounds simple until you factor in the equity gap. Here is what buyers and sellers actually need to cover before the numbers work.

Multi-Unit VA Loans: House-Hacking With a VA-Eligible Duplex or Fourplex

Multi-Unit VA Loans: House-Hacking With a VA-Eligible Duplex or Fourplex

Multi-Unit VA Loans: House-Hacking With a VA-Eligible Duplex or FourplexJerry Holland
Published on: 07/08/2026

VA loans cover 1 to 4 unit properties. Live in one unit and use rental income from the others to help you qualify.

VA IRRRL / Streamline Refinance: When It Actually Makes Sense

VA IRRRL / Streamline Refinance: When It Actually Makes Sense

VA IRRRL / Streamline Refinance: When It Actually Makes SenseJerry Holland
Published on: 28/07/2026

No appraisal, no income documents, a 0.5% funding fee. Here's how a VA IRRRL actually works, and when it's not the right move.

VA IRRRLVA streamline refinance