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Does the VA have occupancy requirements for San Diego active-duty homebuyers?

Yes, the VA (U.S. Department of Veterans Affairs) enforces specific occupancy requirements for VA home loans. As of 2024, these stipulations demand that borrowers must use the home as their primary residence. This rule is particularly pertinent for veterans and active-duty service members aiming to buy homes in the San Diego area, known for its vibrant housing market and military presence. The VA generally expects borrowers to move into their new homes within a reasonable period, typically within 60 days after closing. Nevertheless, the VA recognizes the unique demands of military service and may grant exceptions for circumstances like deployment or job assignments that necessitate being away from the home. In such scenarios, the VA might extend the occupancy deadline or deem a spouse or dependent's residency as satisfying the requirement.

For those looking to buy in San Diego or anywhere in SoCal, it's essential to communicate your specific situation with a VA-approved lender to ensure adherence to the occupancy guidelines and to investigate any potential exceptions or accommodations. These rules are designed to deter the use of VA loans for investment or holiday homes, instead ensuring they aid veterans and service members in obtaining their primary residences. If you're seeking the latest and most comprehensive information, I recommend contacting me directly. As a VA-approved lender, I am dedicated to guiding you through the VA loan process and facilitating a successful home purchase in San Diego. Don't hesitate to get in touch with me today to begin your journey!

Bases we serve:

Naval Base San Diego (32nd Street Naval Station)
Marine Corps Base Camp Pendleton
Marine Corps Air Station Miramar
Naval Base Coronado
Naval Air Station North Island
Naval Amphibious Base Coronado
Naval Outlying Landing Field Imperial Beach
Fort Irwin National Training Center
Marine Corps Logistics Base Barstow
Naval Weapons Station Seal Beach

Reach out today!

San Diego County Military PCS Expert
Michael Farmer, USN (ret) VA Loan Specialist
📲 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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