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Does the VA have occupancy requirements for home buyers in LA County, Orange County and the Inland Empire?

Yes, the VA (U.S. Department of Veterans Affairs) has specific occupancy requirements for VA home loans. As of 2024, these requirements stipulate that borrowers must intend to occupy the home as their primary residence. This is particularly important for veterans and active service members interested in purchasing homes in the Los Angeles area, where the housing market can be complex and competitive. The VA typically expects the borrower to take residence within a reasonable timeframe after closing, generally within 60 days. However, the VA acknowledges the unique circumstances of military life and may offer exceptions for situations such as deployment or jobs that require the borrower to be stationed away from home. In such cases, the VA may extend the occupancy timeline or accept occupancy by a spouse or dependent as fulfilling the requirement.

For borrowers in Los Angeles or any other location, it's crucial to discuss your specific situation with a VA-approved lender to ensure you meet the occupancy requirements and to explore any possible exceptions or accommodations. These regulations are in place to prevent VA loans from being used for investment or vacation properties, focusing instead on helping veterans and service members secure primary residences. If you're looking for the most up-to-date and detailed information, I encourage you to reach out to me directly. As a VA-approved lender, I'm here to assist you in navigating the VA loan process and making your home purchase in Los Angeles a success. Contact me today to get started!

Inland Empire and LA County VA Home Loan Specialist
Michael Farmer, USN (ret).
📲 Email: [email protected]
📲 Call/Text: 425.367.8327

Michael Farmer, nmls #2161015
Licensed in CA, OR & WA
Equal Housing Opportunity
Licensed under the Oregon Consumer Finance Act
Licensed by the Dept of Financial Protection and Innovation under the CRMLA

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