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16:["$","section",null,{"className":"bg-off-white py-16 sm:py-20","children":["$","div",null,{"className":"mx-auto max-w-3xl px-4 sm:px-6 lg:px-8","children":[["$","h2",null,{"className":"text-3xl font-extrabold text-primary-dark","children":"Flexible Credit Requirements"}],["$","p",null,{"className":"mt-6 text-gray-700 leading-relaxed","children":"The VA does not set a minimum credit score for VA loans. While most lenders establish their own minimums (typically 580 to 620), VA guidelines are significantly more flexible than conventional loan standards, which generally require 620 or higher for the best terms."}],["$","p",null,{"className":"mt-4 text-gray-700 leading-relaxed","children":"VA guidelines also allow for faster recovery from major credit events. Borrowers may be eligible just 2 years after a Chapter 7 bankruptcy, 1 year into a Chapter 13 repayment plan, and 2 years after a foreclosure on a VA loan. Conventional guidelines often require 4 to 7 years after these events."}],["$","p",null,{"className":"mt-4 text-gray-700 leading-relaxed","children":"The VA also uses a residual income analysis in addition to debt-to-income ratios. This means the VA looks at whether you have enough money left over after all major expenses to cover daily living costs, providing a more complete picture of your financial health than just a ratio."}]]}]}]
17:["$","section",null,{"className":"bg-white py-16 sm:py-20","children":["$","div",null,{"className":"mx-auto max-w-3xl px-4 sm:px-6 lg:px-8","children":[["$","h2",null,{"className":"text-3xl font-extrabold text-primary-dark","children":"Limited Closing Costs"}],["$","p",null,{"className":"mt-6 text-gray-700 leading-relaxed","children":"The VA limits the types of closing costs that can be charged to VA borrowers. Certain fees that are common on conventional loans, such as attorney fees, document preparation fees, and some processing fees, are considered non-allowable charges on VA loans."}],["$","p",null,{"className":"mt-4 text-gray-700 leading-relaxed","children":"Additionally, sellers can contribute up to 4 percent of the purchase price toward the buyer closing costs, prepaid items, and the VA funding fee. This is more generous than conventional loan limits, which cap seller contributions at 3 percent for loans with less than 10 percent down. In practice, this means it is often possible to purchase a home with very little cash out of pocket when combining the zero-down benefit with seller concessions."}],["$","div",null,{"className":"mt-8 space-y-3","children":[["$","div","VA limits non-allowable closing cost charges to protect borrowers",{"className":"flex gap-3 text-sm text-gray-700","children":[["$","span",null,{"className":"mt-0.5 text-gold font-bold","children":"✓"}],["$","span",null,{"children":"VA limits non-allowable closing cost charges to protect borrowers"}]]}],["$","div","Sellers can contribute up to 4 percent of the purchase price",{"className":"flex gap-3 text-sm text-gray-700","children":[["$","span",null,{"className":"mt-0.5 text-gold font-bold","children":"✓"}],["$","span",null,{"children":"Sellers can contribute up to 4 percent of the purchase price"}]]}],["$","div","The VA funding fee can be rolled into the loan amount",{"className":"flex gap-3 text-sm text-gray-700","children":[["$","span",null,{"className":"mt-0.5 text-gold font-bold","children":"✓"}],["$","span",null,{"children":"The VA funding fee can be rolled into the loan amount"}]]}],["$","div","Lender credits can further offset remaining closing costs",{"className":"flex gap-3 text-sm text-gray-700","children":[["$","span",null,{"className":"mt-0.5 text-gold font-bold","children":"✓"}],["$","span",null,{"children":"Lender credits can further offset remaining closing costs"}]]}]]}]]}]}]
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