Video Transcript:
Most veterans assume their disability rating waives the VA funding fee. This common error costs thousands. The real trigger mechanism is not the rating percentage itself. I’m David Ghazaryan. My team verifies exemption status on the Certificate of Eligibility, or COE. This document is the only proof a lender can legally accept. The critical distinction is receiving VA compensation, not just the rating. A veteran with a 10% rating getting paid is exempt; a 50% rated veteran isn't. If your claim is pending at closing, you must pay the fee. However, a retroactive approval date before closing entitles you to a complete VA refund. On a $450,000 Texas loan, this waiver saves $9,675 upfront. It also cuts your monthly payment and saves over twelve thousand dollars in total interest. I explain the full verification and refund process in my latest article. For ongoing analysis of these structural market dynamics, find my updates on social platforms.
