{"id":31883,"date":"2024-08-22T04:15:36","date_gmt":"2024-08-22T11:15:36","guid":{"rendered":"https:\/\/lenpenzo.com\/blog\/?p=31883"},"modified":"2024-08-22T08:32:30","modified_gmt":"2024-08-22T15:32:30","slug":"what-is-a-va-loan-2","status":"publish","type":"post","link":"https:\/\/lenpenzo.com\/blog\/id31883-what-is-a-va-loan-2.html","title":{"rendered":"What Is a VA Loan?"},"content":{"rendered":"<p><a href=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/05\/mortgage-basics.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-31474\" src=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/05\/mortgage-basics.jpg\" alt=\"what is a VA loan\" width=\"350\" height=\"225\" srcset=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/05\/mortgage-basics.jpg 640w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/05\/mortgage-basics-300x193.jpg 300w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/05\/mortgage-basics-50x32.jpg 50w\" sizes=\"auto, (max-width: 350px) 100vw, 350px\" \/><\/a>What is a VA loan? Well &#8230; VA loans are government-backed mortgages that are insured by the <a href=\"https:\/\/www.va.gov\/\" target=\"_blank\" rel=\"noopener\">Veteran&#8217;s Administration<\/a>. VA loans are available from qualified lenders to homebuyers who have served in the US military including:<\/p>\n<ul>\n<li>Soldiers and sailors on active duty<\/li>\n<li>Members of the National Guard<\/li>\n<li>Veterans<\/li>\n<li>Reservists<\/li>\n<li>Some surviving spouses<\/li>\n<\/ul>\n<p>Because VA loans protect lenders against default, the loans usually have better terms than conventional loans. In fact, a VA loan is one of the best mortgage programs available. Here are some of the biggest advantages:<\/p>\n<ul>\n<li><strong>No down payment.<\/strong> Neither conventional or <a href=\"https:\/\/lenpenzo.com\/blog\/id31878-what-is-an-fha-loan.html\" target=\"_blank\" rel=\"noopener\">FHA loans<\/a> offer this perk.<\/li>\n<li><strong>No private mortgage insurance (PMI).<\/strong> Unlike VA loans, conventional and FHA both require PMI from borrowers who fail to meet minimum down-payment requirements.<\/li>\n<li><strong>No prepayment penalty. <\/strong>This is perfect for homebuyers who want to pay off their loans early.<\/li>\n<li><strong>Higher debt-to-income ratios (DTI). <\/strong>VA loans usually have a maximum DTI ratio of 41. Conventional and FHA loans are typically 36 or less.<\/li>\n<\/ul>\n<p>There are some drawbacks to VA loans, but they are relatively minor:<\/p>\n<ul>\n<li><strong>They cant be used to buy a second home.<\/strong> In fact, VA loans are for primary residences only.<\/li>\n<li><strong>Maximum loan ceilings. <\/strong>Technically, there is no maximum loan limit, however, lenders typically limit loans to $417,000.<\/li>\n<\/ul>\n<p><em>Readers: This is article 8 of 25 from my no-nonsense &#8220;Mortgage Basics&#8221; quick-reference series.<\/em><\/p>\n<p style=\"text-align: right;\"><span style=\"font-size: smaller;\">Photo Credit: GotCredit<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>What is a VA loan? Well &#8230; VA loans are government-backed mortgages that are insured by the Veteran&#8217;s Administration. VA loans are available from qualified lenders to homebuyers who have served in the US military including: Soldiers and sailors on active duty Members of the National Guard Veterans Reservists Some surviving spouses Because VA loans [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":31474,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","pmpro_default_level":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[454,487,463],"tags":[],"class_list":{"0":"post-31883","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-banking","8":"category-mortgage-basics","9":"category-real-estate","10":"pmpro-has-access","11":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v27.4) - 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