VA Loans

Can You Buy a Manufactured Home With a VA Loan? The Real Rules, the Foundation Trap, and the Math

Douglas Wilkerson

Published on: 18/10/2026

Can you buy a manufactured home with a VA loan? Yes — if it's HUD-code, on a permanent foundation, and classified as real property. The foundation trap, Florida RP rules, and the $150K vs $300K math.

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VA Energy Efficient Mortgage Explained: How Veterans Can Roll Up to $6,000 of Home Upgrades Into Their VA Loan

Douglas Wilkerson

Published on: 18/10/2026

A VA Energy Efficient Mortgage lets eligible veterans roll up to $6,000 of energy upgrades — insulation, HVAC, windows, solar — into their VA purchase or refinance loan. The three tiers, eligible improvements, and timelines, explained.

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VA Loan and Divorce: Who Keeps the House, Who Keeps the Entitlement, and the Math That Decides

Douglas Wilkerson

Published on: 17/10/2026

A divorce decree doesn't change your VA loan - the lender follows the mortgage note, not the court order. Here's who keeps the house, who keeps the entitlement, and the three exits that actually work.

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Pay 5.40% in a 7.40% Market: The VA 2-1 Temporary Buydown, Worked Dollar by Dollar

Douglas Wilkerson

Published on: 17/10/2026

A 2-1 temporary buydown drops your VA loan effective rate to 5.40% in year one and 6.40% in year two. Dollar-by-dollar math on a $350K Jacksonville VA purchase at 7.40% (30-year fixed, Oct 15, 2026) — inside the VA 4% concession cap.

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