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The law requires a veteran obtaining a VA guaranteed loan to certify that he or she intends to personally occupy the property as his or her home.
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VA Loan Guidelines

The Law on Occupancy

The law requires a veteran obtaining a VA guaranteed loan to certify that he or she intends to personally occupy the property as his or her home. As of the date of certification, the veteran must either (1) personally live in the property as his or her home, or (2) intend, upon completion of the loan and acquisition of the dwelling, to personally move into the property and use it as his or her home within 60 days after the loan closing (reasonable).

The above requirement applies to all types of VA guaranteed loans except Interest Rate Reduction Refinancing Loans (IRRRLs). For IRRRLs, the veteran need only certify that he or she previously occupied the property as his or her home.

VA Loan Articles

Read About News, Updates, and Guidelines

:: VA Loans, Credit Issues and Co-Borrowers
VA loans don't always involve a single borrower. Sometimes there are situations where co-borrowers, co-signers, and joint loan applicants want to apply for a VA guaranteed mortgage loan.

:: VA Expands Funding Fee Waiver Rules
The passage of Honoring America's Veterans and Caring for Camp Lejeune Families Act of 2012 meant a great many changes to the VA loans program in 2012. One of those changes includes expanding the criteria for VA loan funding fee exemptions.

:: VA Loans and Divorce
VA field offices handle all sorts of common questions about VA mortgages. One of the common topics is related to what happens to a VA loan or the ability to apply for one after divorce.

:: What Documents Do I Need for My FHA Loan Application?
When you apply for an FHA mortgage, you'll need to provide a set of required documents and paperwork that contains the information a lender needs to process your FHA home loan properly.

:: Important Changes to FHA Loan Rules for Income Verification
In August of 2012, the Federal Housing Administration revised its guidance to lenders regarding the verification of Social Security Income to qualify for FHA mortgages.


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VA LOAN RATES
New Home Loan
National Averages
for 6/19/2013

30 Year Fixed
0.000 points
4.000%
4.080% APR

15 Year Fixed
0.000 points
3.750%
3.897% APR

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