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The Military Lending Act Explained: What the 36% Cap Covers, What It Doesn’t, and Why Your Mortgage Is Not on the List
The Military Lending Act caps the cost of most consumer credit at 36% for active duty service members and their families. It does not cover your mortgage. It does not cover the car loan from the lot outside the gate. Knowing which loans it covers, and which it skips, is the difference between a clean…
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Buying a Home Before PCS: Pre-Approval on Orders, BAH, the 12-Month ETS Rule, and Closing Before You Arrive
Buying a home before PCS is normal. It is how a lot of military families avoid two moves, a short lease, and a summer in temporary lodging. The rules that make it work are VA rules, and most of them are not hard. They are just not explained anywhere in one place. This is that…
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SCRA Mortgage Protections: The 6% Cap, Foreclosure Rules, and What Your VA Loan Does Not Get
SCRA mortgage protections are real, they are strong, and most people who have them never use them. The Servicemembers Civil Relief Act caps interest at 6% on debts you had before you joined. It blocks foreclosure without a court order while you serve. It lets you break a lease on orders. It also has one…
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Military Credit Protections: Active Duty Alert vs. Credit Freeze vs. Free Monitoring, and Which to Use Before a Mortgage
Military credit protections are free, they are federal law, and most service members use the wrong one at the wrong time. An active duty alert, a credit freeze, free credit monitoring, and free weekly credit reports each do a different job. One of them will stop a mortgage application cold if you forget it is…
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VA Loan Occupancy Rules While Deployed: Who Has to Live in the Home, and When
VA loan occupancy while deployed is the question that stops more military buyers than credit does. You have orders. You want the house. Someone told you that you cannot get a VA loan if you will not be living in it. That is not what VA says. VA has a rule for exactly this. Here…
