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Recent Posts
- Can You Get A HELOC On A Second Home? The Rules Nobody Explains
- Can You Get A HELOC On A Paid-Off House? Yes — Here Is The Catch
- Mortgage for Newly Self-Employed Borrowers: How the 2-Year Rule Really Works
- HELOC Income Verification: No Document Chase, No Tax Returns
- Can You Get A HELOC Without An Appraisal? How AVMs Decide
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VA Loan With High Debt-to-Income in Colorado Springs
A high debt-to-income ratio does not have to kill your VA loan in Colorado Springs. The VA sets no hard DTI cap. The 41% number people quote is a guideline, not a wall. When your DTI runs higher, VA leans on residual income, the dollars you have left each month after your bills, plus compensating…
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How Much House Can You Afford With a VA Loan in Colorado Springs?
How much house you can afford with a VA loan in Colorado Springs is not set by one number on a rate sheet. It comes down to your income, your monthly debts, and a VA rule most lenders gloss over: residual income. A VA loan in Colorado Springs needs no down payment with full entitlement…
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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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VA Residual Income Chart 2026: What Veterans Need to Know This Year
The 2026 VA Residual Income Chart Same chart, same regions, same family-size scaling. Here’s the current-year breakdown and the few things that have actually changed for 2026 underwriting. Run Your Numbers Start Here If you searched “VA residual income chart 2026,” here’s the short answer: the chart hasn’t changed. The VA’s residual income tables come…
