by PJ Burns | Oct 11, 2026 | Buyer, Phase 1: Getting Started, VA Loan
Retiring changes more about a home purchase than most people expect. It’s not just a new chapter, it’s a new financial profile in the eyes of a lender, and that profile is built on paperwork you may not have yet. Knowing what a lender actually needs, and how long it...
by PJ Burns | Jul 5, 2026 | Buyer, Financing, Phase 2: Working with a Lender, VA Assumption, VA Loan
The assumed rate on a VA loan is the number that makes assumptions compelling. When a seller holds a loan at 3% and today’s market sits above 6%, that gap in rates represents real monthly savings. But when you need additional financing to cover the...
by PJ Burns | Jun 28, 2026 | Buyer, Financing, Phase 2: Working with a Lender, VA Assumption, VA Loan
Assuming a seller’s VA loan at a rate of 2.5% or 3% can save hundreds of dollars a month compared to today’s market. But there is a cost that catches buyers off guard: the gap between the seller’s remaining loan balance and the actual purchase price....
by PJ Burns | Jun 21, 2026 | Buyer, Financing, Phase 2: Working with a Lender, VA Loan
Buying a fixer-upper sounds appealing until you discover that most mortgage programs lend based on what a home is worth today, not what it will be worth after improvements. For VA-eligible buyers and homeowners, there is a financing path that addresses this problem....
by PJ Burns | May 17, 2026 | Buyer, Closing and Title, Phase 5: Contract to Close, VA Loan
What Every Buyer or Seller Needs to Know If you are reading this, your VA appraisal has likely entered the Tidewater process. While that can sound stressful at first, Tidewater does not automatically mean your appraisal is coming in low or that your deal is falling...
by PJ Burns | May 10, 2026 | Buyer, Phase 2: Working with a Lender, VA Loan
You Can Use Your VA Loan More Than Once, Here’s How If you’re moving from one base to another and already own a home with a VA loan, you might wonder if that benefit is off the table. Spoiler alert: It’s not. The VA loan doesn’t disappear after one use, and it can...
