Homeownership & Wealth
The Veteran Homeownership Wealth-Building Plan
Explore a guided roadmap toward multiple owner-occupied homes with rental-income potential, with clear VA occupancy, entitlement, and qualification rules.
See The Roadmap →Veterans Own Mortgage
Learning Center
Expert articles, guides, and resources to help Veterans understand VA loans and make informed homeownership decisions.
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VA Loan Basics
Buying A Home
Credit & Qualification
Eligibility
Homeownership & Wealth
Strategy & Tips
Costs & Fees
Credit Recovery
VA Loan After Bankruptcy
Learn how Chapter 7 or Chapter 13 history can affect a VA home loan review and what documents may help.
Read More →Home Equity
VA Cash-Out Refinance 100% LTV
Explore how high-LTV VA cash-out refinancing works, what affects approval, and how to estimate cash before costs.
Read More →Low Credit
VA Loan With 580 Credit Score
See what lenders consider beyond score and how to prepare a stronger VA loan file.
Read More →Interactive Tool
Find My VA Loan Option
Answer a few quick questions to see whether purchase, IRRRL, cash-out, or credit review is the best starting point.
Start Quiz →Interactive Tool
VA Refinance Savings Calculator
Estimate possible monthly savings and request a free VA refinance review from Veterans Own Mortgage.
Use Calculator →VA Loan Basics
Understanding VA Loan Funding Fees
Learn what the VA funding fee is, when it may apply, who may be exempt, and how financing the fee into the loan can affect your total loan amount.
Read More →VA Loan Basics
Multiple VA Loans: Yes, You Can Have More Than One!
Discover how veterans can use their VA loan benefit more than once. You can have multiple VA loans at the same time under certain circumstances, and your benefit can be restored after paying off a previous VA loan.
Read More →Buying A Home
VA Loan Down Payments: The Truth About Zero Down
VA loans may allow eligible borrowers to buy with no down payment, but closing costs, appraisals, seller credits, and the funding fee still deserve a careful look.
Read More →Credit & Qualification
Bad Credit and VA Loans: What You Need to Know About Qualification
Learn how VA credit review works, why VA does not set one universal minimum score, and what lower credit borrowers can do before applying.
Read More →VA Loan Basics
5 Common Myths About VA Loans: Get the Real Facts
Are common myths about VA loans preventing you from taking advantage of one of the military's most valuable homebuying benefits? We debunk the five most common misconceptions Veterans have about VA loans.
Read More →Eligibility
VA Loan Eligibility: A Guide For Military Service Members And Veterans
Discover if you qualify for VA loan benefits with this guide covering eligibility requirements for active duty, veterans, Guard or Reserve members, and surviving spouses. Learn about service time requirements, discharge status, and how to get your Certificate of Eligibility.
Read More →Strategy & Tips
Maximizing Your Savings: Tips For Getting The Most Out Of Your VA Home Loan
Learn practical strategies to compare costs, review funding fee status, use the no PMI benefit, and decide whether a refinance or purchase structure makes sense.
Read More →VA Loan Basics
5 Common Myths Debunked About VA Home Loans
Don't let misconceptions stop you from using your VA loan benefits. Learn the truth about credit requirements, benefit reusability, closing times, and down payments. Get clear, factual information that empowers Veterans and active duty service members.
Read More →Buying A Home
VA Home Loan Simplified: A Step By Step Guide For Veterans
Navigate the VA home loan process with confidence using this simplified step by step guide. From checking eligibility and getting your Certificate of Eligibility to closing on your dream home, learn what Veterans need to know.
Read More →Costs & Fees
What Is The VA Loan Origination Fee?
The VA loan origination fee is a charge from the lender for processing your loan. Learn what's included, how much you can expect to pay, and how it compares to origination fees on conventional and FHA loans.
Read More →Costs & Fees
How Much Is The VA Funding Fee?
The VA funding fee helps keep the VA loan program running for future generations of Veterans. Learn the current fee amounts, who is exempt, and how you can finance the fee into your loan to reduce out of pocket costs.
Read More →Credit & Qualification
Can I Get A VA Loan If I Don't Have A Job?
Employment is an important factor in VA loan approval, but it's not the only one. Learn about alternative income sources that VA lenders may consider, including disability compensation, retirement income, and asset based qualification.
Read More →State VA Loan Pages
VA Loan Help By State
Explore VA purchase, refinance, and cash-out options in the states where Veterans Own Mortgage is currently licensed according to our disclosures.
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