Do I need perfect credit for a VA loan?
No — while the VA doesn't set a minimum score, most lenders look for 580-620+, similar to or more flexible than FHA standards.
Can I use a VA loan more than once?
Yes, as long as you have remaining entitlement, or you've restored full entitlement by paying off and selling a previous VA-financed home.
Is the VA funding fee refundable?
If you're later approved for a disability rating that qualifies you for an exemption, you may be able to get a refund of a funding fee already paid — the article notes only the VA can determine exemption status.
Can I use a VA loan to build a home?
Yes, VA construction loans exist, though fewer lenders offer them compared to standard VA purchase loans — expect a more limited lender pool for this option.
This page is for educational purposes and isn't personalized financial or tax advice. Figures, rates, and program details change frequently — confirm current terms directly with lenders, tax professionals, or the IRS before acting.