Your Debt-to-Income Ratio Is Over 41%? Why Your VA Loan May Still Approve — the Residual Income Test Explained

Douglas Wilkerson

Published on: 01/11/2026

VA loans use a second affordability test most borrowers never hear about: residual income. Here is the South-region table, the 20% rule, and the math.

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What Credit Score Do You Need for a VA Loan in 2026? The Jacksonville Buyer's Playbook

Douglas Wilkerson

Published on: 21/09/2026

The VA sets no minimum credit score — any '620 minimum' is a lender overlay, not VA's rule. As a mortgage broker with 200 lenders, Douglas finds the right VA fit for Jacksonville veterans. Here's how to get approved.

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