Uploaded February 2026 | Updated September 2026, 2 weeks ago
Are you a veteran first time home buyer interested in buying a house using a VA loan in the 2026 housing market? What are the most recent VA loan requirements for 2026? What credit scores do you need? How long do you need to be employed? How much downpayment does VA require? What are the pros vs cons of VA Loans? In this video, we are going to discuss the 2026 VA Loan Requirements, answer some common questions around VA and show you how to do some basic VA calculations with regards to Mortgage Insurance
Start Here 👇
✅ - Ready to become a homeowner? Start your stress-free journey today: jebsmith.net/start?video=rAl2MnJRbhk
⏩ VA Loan - youtu.be/18bjaFjA_nU
⏩ VA Loan Benefits Explained - VA Loan - youtu.be/vkK-7lHC6lE
⏩ VA Loan First Time Home Buyer - VA Loan Explained - youtu.be/yO1G-EA0LAU
What is a VA loan? A VA loan is a mortgage loan in the United States guaranteed by the United States Department of Veterans Affairs
VA loan requirements
✅Active Duty or Served 90 Continuous Days/Met length of service requirements which is generally 90 days in wartime and 181 days in peacetime/completed 90 days of active duty or 6 creditable years in selected reserve or national guard/surviving spouse of a veteran who died while in service or from a service related disability and have not remarried.
✅ FICO® score at least 580 (there are exceptions but they come with a cost)
✅ No Down Payment Required
✅MIP (Mortgage Insurance Premium ) is NOT required on VA Loans.
✅Debt-to-Income Ratio less than 41%. (Actually you can go much higher than this)
✅Condos have to be VA approved
✅The home must be the borrower's primary residence.
✅Borrower must have steady income and proof of employment.
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VA Loan Resources👇
Check your VA Eligibility -
va.gov/housing-assistance/home-loans/eligibility
VA Approved Condo List - lgy.va.gov/lgyhub/condo-report
=============================================================
Connect with me 👇
Jeb Smith (huntington beach Realtor/orange county real estate)
DRE 01407449
Real Broker
#housingmarket #firsttimehomebuyer #realestate
Are you a veteran first time home buyer interested in buying a house using a VA loan in the 2026 housing market? What are the most recent VA loan requirements for 2026? What credit scores do you need? How long do you need to be employed? How much downpayment does VA require? What are the pros vs cons of VA Loans? In this video, we are going to discuss the 2026 VA Loan Requirements, answer some common questions around VA and show you how to do some basic VA calculations with regards to Mortgage Insurance
Start Here 👇
✅ - Ready to become a homeowner? Start your stress-free journey today: jebsmith.net/start?video=rAl2MnJRbhk
⏩ VA Loan - youtu.be/18bjaFjA_nU
⏩ VA Loan Benefits Explained - VA Loan - youtu.be/vkK-7lHC6lE
⏩ VA Loan First Time Home Buyer - VA Loan Explained - youtu.be/yO1G-EA0LAU
What is a VA loan? A VA loan is a mortgage loan in the United States guaranteed by the United States Department of Veterans Affairs
VA loan requirements
✅Active Duty or Served 90 Continuous Days/Met length of service requirements which is generally 90 days in wartime and 181 days in peacetime/completed 90 days of active duty or 6 creditable years in selected reserve or national guard/surviving spouse of a veteran who died while in service or from a service related disability and have not remarried.
✅ FICO® score at least 580 (there are exceptions but they come with a cost)
✅ No Down Payment Required
✅MIP (Mortgage Insurance Premium ) is NOT required on VA Loans.
✅Debt-to-Income Ratio less than 41%. (Actually you can go much higher than this)
✅Condos have to be VA approved
✅The home must be the borrower's primary residence.
✅Borrower must have steady income and proof of employment.
=============================================================
VA Loan Resources👇
Check your VA Eligibility -
va.gov/housing-assistance/home-loans/eligibility
VA Approved Condo List - lgy.va.gov/lgyhub/condo-report
=============================================================
Connect with me 👇
Jeb Smith (huntington beach Realtor/orange county real estate)
DRE 01407449
Real Broker
#housingmarket #firsttimehomebuyer #realestate
