Author name: Adriana Lemus

For veterans aiming to buy land in Texas as a veteran, affordable options exist in counties like Hudspeth, Brewster, Tyler, Polk, and San Jacinto, offering land under $10,000/acre. While VA loans don’t cover raw land, they can be utilized for construction-to-perm financing after initial land purchase. Texas provides veteran tax benefits and homestead exemptions, making […]

Timing significantly impacts VA refinance rates. A VA IRRRL is effective when rates drop 0.5%-1%, if you’ll stay long-term, and closing costs are manageable. Monitor Fed policies, mortgage trends, and inflation to optimize timing for lower rates. Refinance when savings outweigh costs, considering how timing can affect your VA refinance rates%. Why the Timing of

Qualifying for 100% VA disability unlocks significant benefits. This rating, based on the severity of service-connected conditions, grants access to the full list of benefits available to veterans rated at 100%, including tax-free payments and healthcare. Methods to qualify include a 100% scheduler rating, combined ratings via VA math, TDIU, temporary 100% ratings, or P&T

100% disabled veterans receive significant housing benefits, including no-down-payment VA home loans, Specially Adapted Housing grants up to $101,754, and property tax exemptions, sometimes totaling $0. These benefits, designed to aid vets with service-connected disabilities, provide crucial financial support. Additional support provided under a 100% VA disability status can include waived fees, lower mortgage costs,

Denied veterans property tax exemptions require understanding specific reasons for denial and adhering to strict appeal deadlines. Use the correct property tax exemption appeal forms and provide all necessary documentation like DD-214 and proof of residency. Follow submission guidelines—mail, upload, or in-person—and consistently follow up. Why did they even deny my exemption? That’s usually the

The 2025 VA disability pay chart is projected to see a 2.6% COLA increase, impacting monthly compensation for veterans. While the official numbers arrive in October 2024, estimates show potential changes in VA disability pay for 2025, with a 100% disability rating potentially increasing to $3,835.99. These adjustments aim to reflect cost-of-living changes, though whether

Navy Federal offers VA loans with competitive rates and no lender fees, but rates fluctuate, and membership is required. Explore the benefits and drawbacks of Navy Federal’s VA loan rates: while they can be low, they aren’t always the best. Credit score flexibility and military-focused service are pros, but limited branch presence and mixed service

Many misconceptions surround VA loans, but the truth paints a much more favorable picture for veterans. Contrary to popular belief, VA loans can be reused, and their closing times are comparable to conventional loans. VA appraisals are designed to ensure the property’s safety and livability—not to derail deals. While the VA funding fee replaces private

VA Loan vs. Conventional Loan—you’ve heard both tossed around, but here’s the real: which one makes sense for you right now? And here’s a bigger question most vets are asking—can you use a VA loan more than once? Short answer: yes. But let’s not stop there. Every day I talk to folks in the real

The VA IRRRL streamlines refinancing for veterans, requiring six on-time payments and 210 days from the first payment due date. This VA IRRRL refinance timeline ensures borrowers benefit from lower rates without rapid refinancing. IRRRL lowers rates, while VA cash-out refinances access equity. IRRRL skips appraisals and income checks, unlike cash-out. VA IRRRL Refinance Timeline