The VantageScore 4.0 Timeline for Agents: July 2025 to January 2027
VantageScore 4.0 timeline for agents: five key dates from July 2025 to January 2027, what the FHFA says, and the one question to ask your lender.
Blog
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Can a VA Loan Finance a Mixed-Use Property With a Storefront Below?
Can a VA loan finance a building with a storefront below and a home above? Learn the primarily residential rule and the one step to take before an offer.
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How to Read a VA Certificate of Eligibility in 60 Seconds
A VA COE has about forty lines. Two decide how much house you can buy with nothing down. Here is how to read the whole page in about a minute.
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Karen and the VA Loan Limit That Does Not Exist
No VA loan limit exists for Veterans with full entitlement since January 2020. See what really caps your purchase and when the county limit still applies.
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How Much Down on a $475,000, $500,000 or $550,000 House With a VA Loan Still Open
Prior VA loan still open? Your down payment is 25 percent of the price minus remaining entitlement, not a fixed percent. See the math at three prices.
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Partial VA Entitlement Is Not Zero: How Iris Still Has $269,766 of Buying Power
A COE showing $0 basic entitlement is not the end. See the bonus entitlement math that gives a Veteran with $140,746 charged $269,766 of $0-down power.
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Bi-Merge Credit Reports Are Not Here: What Allison Learned About VantageScore 4.0
VantageScore 4.0 does not mean bi-merge. Allison's story shows why agents and buyers should expect tri-merge on every conventional file.
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Can You Get a VA Home Loan After Late HELOC Payments? Kimberly's Story
Late payments on a HELOC do not automatically block a VA home loan. See what lenders weigh and the one letter to prepare before you apply.
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How an Hourly Earner Can Turn a Down Payment Goal Into a Timeline
Paid by the hour? See how Giana turns a down payment and closing cost goal into a simple timeline using take-home pay and a budget. Example only.
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Three Numbers Decide How Long You Pay PMI: 80, 80, and 78
Three numbers decide how long you pay PMI: 80, 80, and 78. Learn when PMI is required, canceled, and ends on a conventional loan, plus what to ask.
