Housing & Real Estate

VA Renovation Loan (Buy a Fixer-Upper with VA)

The VA does allow a fixer-upper purchase via either the VA Renovation Loan (single loan covering purchase + repairs up to ~$50K) or the VA Energy-Efficient Mortgage (up to $6K rolled into the loan for energy upgrades). Most lenders don't advertise either — you have to ask for a "

BAH — Basic Allowance for Housing (Tax-Free)

Basic Allowance for Housing is paid monthly to service members who don't live in government quarters, calibrated to the duty-station ZIP code, rank, and dependent status. BAH is NON-TAXABLE federal and state income — meaning it does not appear on your W-2 and is not counted as gr

VA Loan Funding Fee Waiver — 10%+ Disability Rating

Service members and veterans with a VA service-connected disability rating of 10% or higher are EXEMPT from the VA Loan Funding Fee — typically a 1.4–3.6% charge on the loan amount. On a $400,000 home, that's a $5,600 to $14,400 instant savings rolled OUT of the loan.

VA Home Loan (overview hub)

The umbrella VA Home Loan program — purchase, IRRRL refi, cash-out refi, NADL, SAH, SHA grants all live here.

VA Native American Direct Loan (NADL)

Direct VA loan (not just guaranty) for Native American veterans buying/building/improving homes on federal trust lands. Better terms than typical VA loan.

HUD-VASH housing voucher (homeless veterans)

Section 8 housing choice voucher + VA case management for homeless veterans. Long-term, not temporary.

SSVF (Supportive Services for Veteran Families)

VA grants to community orgs providing rent assistance, utility payments, and case management to very-low-income veteran families at risk of homelessness.