Why Your VA Disability Income Boosts Buying Power

August 4, 2026

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David Ghazaryan

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TL;DR

Lenders increase non-taxable VA disability income, a process known as grossing up, to establish a taxable equivalent for fair mortgage qualification.
To use this income, you must provide essential documentation, primarily your VA award letter and bank statements confirming recent payments.
A significant benefit for veterans with a service-connected disability is the potential waiver of the VA loan funding fee, which can result in substantial savings on closing costs.

Read the full blog article here: https://www.iqratemortgages.com/blog/how-va-disability-income-affects-a-texas-mortgage

Video Transcript:

Your tax-free VA income is worth more than you think. I am David Ghazaryan. I structure loans using its power. Lenders calculate its taxable value by adding twenty-five percent. This calculation directly increases your home purchasing power for lenders. This ensures your profile meets all strict residual income tests. My analysis continues on social platforms. See links in description.

Read Blog Here: https://www.iqratemortgages.com/blog/how-va-disability-income-affects-a-texas-mortgage

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