---
title: "Phase 3: Working with a Lender"
url: https://combatproperties.com/category/buyer/phase-3-working-with-a-lender/
type: term
taxonomy: category
taxonomy_label: "Category"
parent: "Buyer"
parent_slug: buyer
count: 9
lang: en
---

# Phase 3: Working with a Lender

## Latest entries

- [Can You Reuse a VA Loan?](https://combatproperties.com/can-you-reuse-a-va-loan/) — Yes, you can reuse your VA loan! Learn how entitlement restoration works and what it means for military buyers planning their next home purchase.
- [Fixed Rate vs Adjustable Rate Mortgage for Military Homebuyers](https://combatproperties.com/fixed-rate-vs-ajustable-rate-mortgage-for-military-homebuyers/) — Military homebuyers choosing between a 30-year fixed VA loan and a 5/1 ARM should consider how long they plan to own the home, whether they may PCS soon, and if they plan to keep the property as a rental. A fixed-rate loan offers stability, while an ARM can provide short-term savings.
- [VA Loan Partial Entitlement: What Happens When It’s Not Enough](https://combatproperties.com/va-loan-partial-entitlement-buying-power/) — Learn how VA loan partial entitlement affects your buying power and when you may need a down payment on your second VA home purchase.
- [When Is the Right Time to Shop for a Mortgage?](https://combatproperties.com/when-to-shop-for-a-mortgage/) — Learn the right time to shop for a mortgage, how to compare offers, and why early rate shopping can backfire. A smart strategy saves time and money.
- [Loan Options for Military Buyers](https://combatproperties.com/loan-options-for-military-buyers/) — Compare VA, Conventional, and FHA loans for military buyers. Learn about funding fees, PMI, and MIP to choose the best mortgage option.
- [Pre-Qualification vs. Pre-Approval](https://combatproperties.com/pre-qualification-vs-pre-approval/) — Learn the difference between mortgage pre-qualification and pre-approval. Key insights for military buyers preparing for a VA loan and home search.
- [Building a Home Buying Budget with Future Rental Potential in Mind](https://combatproperties.com/home-buying-budget-future-rent/) — Learn how to build a home buying budget that supports your finances today and sets you up for future rental income. Perfect for military families, veterans, and smart buyers.
- [Mortgage Points: Are They Worth It?](https://combatproperties.com/mortgage-points-guide/) — Learn how mortgage points can lower your VA or conventional loan rate. A simple guide for military homebuyers from Combat Properties.
- [VA Loan Down Payment: Should You Use Savings?](https://combatproperties.com/va-loan-down-payment-strategy/) — Understand VA loan down payment options. Learn when adding money upfront helps military buyers save on interest and boost buying power.