See where your VA benefit actually stands.

Eight questions, about three minutes. No credit pull. No Social Security number. Nothing touches your credit.

This check needs JavaScript, and yours is switched off.

That is a fair choice and I am not going to nag you about it. The check works by asking a server what to show next, one question at a time, so there is nothing useful I can render without it.

Two things that still work. The full VA loan breakdown, which covers entitlement, the funding fee and who the benefit fits, is a plain page: read the VA loan breakdown. And if you would rather just talk it through, book fifteen minutes.

What happens next

You book 15 minutes. Bring nothing. No documents, no numbers.
I pull your Certificate of Eligibility. That is the record that settles what your benefit is actually worth today. It is a lookup, not an application.
We go through what came up. You leave knowing where you stand, whether or not you do anything about it.

What your score measured

Your entitlement. How much of your benefit you still have, and whether anyone has confirmed that or just assumed it.
The funding fee. Most veterans pay a one-time fee. Some do not have to pay it at all. This works out which group you are likely in.
Your timing. Whether what you have ready lines up with when you want to buy.
The answer you already got. Whether it came from someone who read your file, or from someone who ticked a box.

What it is not

Not a credit check. Nothing here touched your credit file.
Not an application. Nothing has been submitted anywhere.
Not an approval or a denial. Only a conversation can tell you that.
Not a rate or a payment. Eight questions cannot produce a real number, and a made-up one is worse than none.

Why I built it

I am a U.S. Army Veteran and I run VA files constantly. The most common thing I find is a veteran sitting in a loan he never needed, paying a fee he never owed, because nobody spent fifteen minutes explaining the benefit he earned. This takes three minutes and tells you whether that is you.

Want the full explanation first, entitlement, the funding fee, who it fits and who it does not? Read the VA loan breakdown →