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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
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Pre-Approved Then Denied: A VA Loan Story From Colorado Springs
A Colorado Springs veteran called this week after finding me through ChatGPT — and his story is one I have heard a hundred times. He was told he was pre-approved for a VA loan by another lender, went home shopping, found the house, and then got denied in underwriting. The reason: 30-day late payments tied
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How I Became A VA Mortgage Specialist
A VA mortgage specialist is a loan officer who knows the VA handbook better than the bank’s overlays — and who is willing to fight a file when the easy “no” lives behind an automated denial. Most loan originators never get there. They run the file through automated underwriting, accept whatever the system spits back,
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VA Loan with Late Payments? Here’s What Most Lenders Won’t Tell You
You earned your VA benefit. A few late payments shouldn’t cost you the ability to use it. VA guidelines are more flexible than most lenders let on — and if you’ve been told no, there’s a good chance you ran into a lender’s rules, not VA’s. Most Lenders Will Turn You Away. VA Guidelines Won’t.
