VA benefits

PACT Act

How The PACT Act Changes VA Benefits

The PACT Act, also known as The Promise to Address Comprehensive Toxics Act, is one of the largest VA healthcare expansions and reforms in the history of the Department of Veterans Affairs. There are sweeping changes for those who have served since 9/11 but there are also provisions for those who have served in the… Read more »

VA Native American Direct Loans

The VA home loan benefit typically allows military members with a minimum amount of qualifying service to apply for a zero-down mortgage with limits on certain closing costs, no penalty for early payoff, and the ability to refinance with a VA Streamline loan later on. A typical VA home loan experience requires the borrower to… Read more »

The VA Program of Comprehensive Assistance for Family Caregivers

The Department of Veterans Affairs offers benefits and services for those who are caregivers serving disabled veterans. There are options for those caring for vets with service-connected medical issues as well as for non-service-connected disabilities. One major VA option for caregivers is the VA Program of Comprehensive Assistance for Family Caregivers. This program can help… Read more »

VA Dependency & Indemnity Compensation (DIC)

Dependency & Indemnity Compensation (DIC) is a VA benefit offered to surviving spouses, children, and parents of a service member or veteran who died in the line of duty. DIC benefits are also offered to the qualifying survivor of a veteran who died from a service-related injury or illness. DIC offers a monthly payment, which… Read more »

VA loans

VA Loans: Why Credit Scores Matter

Credit scores are one “pillar” of VA loan approval, and combined with your loan repayment record and your history of income and employment, this information tells the lender a great deal about you as a potential credit risk. But the credit score issue can be confusing for many. One of the most important things to… Read more »

Montgomery GI BIll

The Montgomery GI Bill (MGIB-AD)

The Montgomery GI Bill is an education benefit offered by the Department of Veterans Affairs. Those who serve a minimum amount of time on Active Duty qualified for this benefit provided they opted in during basic training or in their initial enlistment. The Montgomery GI Bill program is closed to new recruits (see below); you… Read more »

VA benefits

Who Qualifies For A VA Home Loan?

Do you need to know about VA home loan eligibility requirements? Most who serve on active duty today are required to serve 90 continuous days on active duty before they can apply for a VA Certificate of Eligibility for a VA home loan. But what about members of the National Guard or the Reserve? What… Read more »

VA Healthcare Benefits, Abortion, and Roe V. Wade

On Friday, June 24, 2022, the Supreme Court overturned Roe V. Wade, the legal precedent which provided Constitutional protections for a woman’s right to choose for nearly five decades. This move will likely trigger bans on certain reproductive healthcare services offered in approximately half of the United States according to the Associated Press; the move… Read more »

Am I Eligible for VA Education Benefits?

Do you know whether you are eligible for VA education benefits like the GI Bill? That is not the only VA education program you may qualify for as an active duty, Guard/Reserve member, spouse, or dependent.

VA Burial Benefits

Funeral planning is something we all try not to think about until there’s a reason to do so. Veterans and their families have VA burial benefit options they can use including a VA burial allowance that can offset the cost of paying for funeral services when the time comes.

VA Health Benefits for Military Spouses and Dependents

Are you the spouse or child of a veteran? If so, you may already be familiar with some VA benefits, but did you know that children and legally married spouses of veterans may also be entitled to certain VA benefits? You may not be required to have any military service to apply for some VA… Read more »

Department of Veterans Affairs Resources for LGBTQ+ Veterans

What does the Department of Veterans Affairs offer to veterans who identify as members of the LGBTQ+ community? LGBTQ+ refers in this context to a large group of people who include but are not limited to veterans who identify as lesbian, gay, bisexual, transgender, and/or queer. The VA official site adds that the plus sign,… Read more »

Managing Your VA Benefits Online

If you are retiring or separating from military service, you will need to set up an account with the Department of Veterans Affairs in order to begin claiming VA benefits such as the GI Bill, or VA compensation for service-connected medical issues. 

What Forms Do I Need to Apply for VA Disability?

If you are getting ready to retire or separate from the United States military, chances are good you are already thinking about applying for VA compensation for service-connected medical issues. If you have already applied and received a decision, you may be wondering how you can increase your VA disability compensation.

What You Need to Know About Eligibility for VA Disability Benefits

If you have served in the United States military, you may be eligible for VA compensation for service-connected medical issues, injuries, illness, or related conditions. The Department of Veterans Affairs has a screening and application process for VA benefits you can use to start the claim process. This process is open to those retiring and/or… Read more »

VA Home Loan Rule Changes

When was the last time you explored your VA loan options? If it’s been a while, some aspects of the program may be quite different for you. In 2020, there were alterations made to the VA home loan benefit thanks to legislation known as the Blue Water Navy Vietnam Veterans Act of 2019. Some of… Read more »

5 Tips for Applying for VA Disability Benefits

There are some important steps to take when you apply for VA disability benefits. Some of them apply situationally, such as what to do if you have to start the application process from an overseas location. Others are more universal, such as knowing what to do if you lose your DD Form 214, Report of… Read more »

VA Loans Versus FHA Mortgages: Which Is Better?

Which is better, an FHA mortgage or a VA home loan? Some may be confused by this article’s headline. If you have access to a no-money-down VA mortgage with no mortgage insurance requirement, why would you consider an FHA mortgage loan instead? FHA loans, after all, have down payments and mortgage insurance requirements. VA home… Read more »

Considerations For Using Your VA Loan Benefits as a Veteran

If you have never used your VA home loan benefits and are planning to retire or separate from the military, there are some issues to consider. For example, if you are not retiring, but separating from the military, buying a home may be more complicated if you don’t have a job lined up at loan… Read more »

VA Home Loan Rules For Mobile Homes and Manufactured Housing

There are VA mortgages for a variety of loan purposes. You can buy a condo unit, townhome, duplex, and multi-unit properties with a VA mortgage. You can also use a VA loan to buy a mobile home and even the land that home is to be placed upon. VA loan rules for manufactured home purchases are a bit different than for buying a typical suburban home, but some of those differences have to do with the unique nature of manufactured housing. Learn more.

VA Loans, Investment Properties, and Deployments

What do VA home loan rules say about occupancy, deployments, and investment properties? These don’t sound like related topics at first, but believe it or not, the VA Lender’s Handbook, VA Pamphlet 26-7, has a lot to say about all three subjects and they do intersect. Learn more.

VA Loan Basics

Basics of the VA Loan If you are new to your VA loan benefits, it’s good to review the requirements ahead of time so you can come to the home loan process ready to make informed choices about your home loan and your VA benefit. Here’s a primer on the VA home loan benefit that… Read more »