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The exception, though, is a foreclosure involving a VA home loan. In this case, you may need to pay back the amount owed on the foreclosed VA loan to regain eligibility. But for most home buyers with past credit issues, a VA home loan could be their ticket to homeownership. 9. Funding fee waivers
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Dave Says: Can’t Afford A 15-Year Mortgage? – Besides, why would you want to stay in debt for 30 years. A 15-year, fixed rate mortgage is the only kind of home loan I recommend!.