Veteran financing
VA is more than $0 down. Structure the entire file.
Use the purchase calculator for a payment estimate, then use the manual-underwriting screen to identify files that may need compensating factors or a deeper residual-income review.
VA purchase estimate
$0Total PITI estimate
$0Total loan with fee
Manual-underwriting planning screen
0%Estimated DTI
$0Residual after debts
Purchase
VA can reduce down-payment pressure, but taxes, insurance, funding fee and residual-income considerations still matter.
IRRRL
Refinance value should be measured by payment savings, closing costs, recoupment and current VA requirements, not rate alone.
Manual underwriting
Files with credit events or AUS challenges can require a different review rather than an automatic "no."