VA Loans for Active Duty and Veterans

08/09/2026

So I'm working on something and need input...

VA Loan Officers: What lender overlay do you hate the most?
I'm curious what overlays are actually costing you VA deals.
And I'm not really talking about the extreme one-offs. Obviously, a 500–550 credit score is going to be a very specific manual-underwrite situation, and realistically, we probably shouldn't be trying to push a veteran to 60–65%+ DTI on a manual underwrite anyway.
I'm talking about otherwise solid VA loans that meet VA guidelines but get stopped because of a lender overlay.
-Minimum FICO?
-Hard DTI cap even with AUS approval?
-Payment shock?
-Extra reserves?
-Collections or charge-offs?
-No manual underwrites?
-No true no-score borrowers?
-Manufactured homes?
-Additional bankruptcy/foreclosure seasoning?
-Something else?
What's the one VA lender overlay you wish would disappear?

05/15/2026

Brokers, get an Underwriten TBD on your tougher VA, FHA and USDA loans 580 scores and above.

11/08/2025

Big News from Fannie Mae...
Thanks Housing Wire.
housingwire.com/articles/fannie-mae-credit-score-update

10/31/2025

Happy Halloween!

10/17/2025

Loan Officers, Don't tell your VA buyers their score doesn't qualify!

10/01/2025

09/03/2025

Tired of giving your VA buyers only enough $$ for a Condo vs SFR?

With Mortgage Solutions Financial, you can go up to 65% PITI & all in 65% DTI on a Manual Underwrite for VA.

08/29/2025

For all the LOs and Realtors out there hosting open houses and pounding the pavement — enjoy your weekend! I’m here if you need me.

08/25/2025

For those of you who last used our Byte system, we’re excited to share that as of this year Mortgage Solutions Financial is now fully integrated with Encompass!