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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 Home Loan
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.

VA Home Loan
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 Home Loan
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 Home Loan