Credit & Income
3 articles written for military families — plain English, no sales pitch, and no rate promises.
Credit & Income
Self-employment does not block a VA loan, but it changes how your income is calculated. Lenders average two years of tax returns, add back certain deductions, and watch for declining income. Here is how to prepare a self-employed VA file.
Updated 2026-10-10 · 8 min read
Credit & Income
There is no minimum income for a VA loan — but there is a residual income floor, a debt-to-income benchmark, and rules about which income counts. Here is how lenders actually decide whether your income is enough.
Updated 2026-10-10 · 8 min read
Credit & Income
Driving, contracting, freelancing, or working a second job? That income can help you qualify for a VA loan — if it has the right history. Here is the two-year rule and how lenders average variable earnings.
Updated 2026-10-10 · 6 min read
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