VA's non-allowable fee rules have been modernized a great deal over the years, and mostly for the better. Back when Josh started in the business in the 1990s, there was a long list of fees a seller had to absorb if they accepted a VA offer, which could add an extra $1,000 to $1,500 of seller cost compared with taking a conventional buyer. That gap is part of why some sellers were wary of VA offers. Today's rules are more balanced, with caps on points and on how various fees can be structured. Confirm the current non-allowable fee list, since VA does update it. What we would emphasize most is that VA takes enforcement seriously. Lenders and call centers caught exploiting veterans have faced real consequences. One pattern VA cracked down on was large operations that churned veterans' refinances every few months over a couple of years, quietly stripping equity each time. Firms doing that have drawn significant fines and, in some cases, lost their ability to originate VA loans entirely. So our overall take is positive. Some abuse still surfaces here and there, as it does in any corner of lending, but it does not tend to persist, because VA actively polices its rules and punishes bad actors. For a veteran, the practical protection is working with a lender who knows the VA program well and can tell you exactly which fees are and are not yours to pay, which is part of what we sort out in a free Roadmap conversation.