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- Breaking a Lease to Buy a House Near the Air Force Academy
- Breaking a Lease to Buy a House Near Schriever Space Force Base
- Breaking a Lease to Buy a House Near Peterson Space Force Base
- Breaking a Lease to Buy a House Near Fort Carson and Colorado Springs
- Breaking a Lease to Buy a House With a VA Loan: The Seller Can Pay the Fee
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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 reached 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 a house in Parker, Colorado, and then got denied in underwriting. The reason: 30-day late payments tied to…
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Rolling Closing Costs Into a VA Loan: What Actually Works
“Can I roll my closing costs into my VA loan?” is one of the most common questions we get from veterans. The honest answer is: not in the way most people think. On a VA purchase, the loan can be up to the lower of two numbers: the VA appraised value, or the price plus…
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Dual-Veteran VA Loan: The Funding Fee Strategy Most Couples Miss
“Dual-veteran funding fee” is one of the most-searched VA loan questions — and one of the most misunderstood. There is no separate funding fee rate for two-veteran households. There is the standard VA funding fee, exemptions that apply per individual borrower, and three different ways to structure a VA loan when both spouses are veterans.…
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New Construction VA Loan: How to Keep the Builder Incentive
A retiring service member called me last week. He was PCSing to Las Vegas with his wife, also a 100% disabled veteran. They had their eyes on a new-construction home from a major national builder. The base price was $858,000. The builder was offering about $21,500 in incentives — but only if they used the…
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Searching for Fort Stewart Homes During a PCS: The Order of Operations That Wins
A Fort Stewart home search for a PCS soldier is not the same as a normal home search. The timeline is fixed. The budget is tied to BAH. The orders may or may not be in hand yet. Most service members lose two to three weeks of house-hunting leave because they start touring listings before…
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VA Loan Substitution of Entitlement: What Sellers Need to Know
The One Step That Restores Your VA Entitlement When someone assumes your VA loan, your entitlement doesn’t automatically come back. It stays tied to that loan — sometimes for 25 or 30 years — unless one specific thing happens: substitution of entitlement. Here’s what it is, who qualifies, and how to make sure it actually…
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Mortgage Rate Buydowns Explained: 2-1, 3-2-1, and Permanent Buydowns
Buy Down the Rate, Not Just the Price In a high-rate market, a seller-paid permanent buydown is often the best use of seller money. Here’s how 2-1, 3-2-1, and permanent buydowns actually work — including the rules most lenders gloss over and the math that makes them worth it (or not). Run a Buydown Scenario…
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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…
