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Recent Posts
- VA Minimum Property Requirements: The Real List (Updated 2026)
- VA Tidewater: What to Do When the Appraiser Calls With Bad News
- The VA Appraisal: How It Works, What It Costs, and What Can Go Wrong
- VA Cash-Out Refinance: The Rules Most Lenders Get Wrong
- Moved Manufactured Homes Can Now Get Conventional Financing
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VA Loan Approved With Collections and a 64% DTI — A Colorado Springs Case Study
A Colorado Springs couple was turned down by multiple lenders before they came to us. Their credit showed collection accounts, their debt-to-income ratio came in at 64% on paper, and one of them carried a 613 credit score. In May 2026 they closed on a new-construction home with a VA loan — and their total…
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Colorado Springs VA Loan, 500 Credit Score: How We Closed This Veteran’s Manual Underwrite
This is a Colorado Springs VA loan story most lenders will not tell. A 100% service-connected disabled veteran with full VA entitlement and a $600,000+ new construction home under contract was about to lose her house — and the mortgage tied to it. After a year of life events that wrecked her credit and pulled…
