VA Loan vs FHA Loan: Which Is Better for You in 2026?
If you are a veteran or active-duty service member buying a home, you have probably seen both VA loans and FHA loans mentioned as options. Both are government-backed mortgage programs with more flexible requirements than conventional loans, but they work very differently and one will almost always save you more money than the other. Scott […]
VA IRRRL Streamline Refinance: How to Lower Your Rate in 2026
If you already have a VA loan and your interest rate is higher than what’s available today, the VA IRRRL could save you hundreds of dollars a month with minimal paperwork and no appraisal. It’s one of the best refinance deals in lending, and most veterans don’t even know it exists. Scott Carlin, 20-year Air […]
2026 BAH Rates: How Your Housing Allowance Can Help You Buy a Home
2026 BAH rates went into effect January 1, with an average increase of 4.2% across all military housing areas. For active-duty service members and military families considering homeownership, this increase means more purchasing power when qualifying for a VA loan. Your BAH is tax-free income, and it counts toward your mortgage qualification — which gives […]
VA Funding Fee Explained: What Veterans Need to Know
What Is the VA Funding Fee? The VA funding fee is a one-time charge added to most VA home loans. It’s paid by eligible Veterans, service members, or surviving spouses to help keep the VA loan program self-sustaining and affordable for future borrowers. Because VA loans don’t require down payments or monthly mortgage insurance, this […]
