Yes, VA Loans Can Be Used to Purchase Older Homes (2024)

Without military experience most loans require at least 3% down.

Without military experience most loans require at least 3% down.

We’ve partnered with Neighbors Bank to better serve civilian homebuyers. Veterans United is dedicated to serving Veterans and military families. Neighbors Bank is a proud member of the Veterans United family of companies and provides personalized financing solutions and top-rated customer service for homebuyers like yourself.

Due to state regulations, we are not able to accept home loan inquiries for New York properties on this site. If you are interested in a property in another area, you may hit Back and enter a different location.

Due to state restrictions, we do not offer cash-out or debt consolidation refinances in the state of Texas.

By submitting, I acknowledge, consent and agree to the terms listed below.

By submitting, I agree to receive calls or texts at this number from Veterans United Home Loans, its affiliates, and lenders, agents and home-services providers about real estate matters or promotional offers from partners, even if they use an autodialer and even if I am on a Do Not Call List. Texting terms apply. I agree to accept delivery of documents electronically; I agree to the privacy policy and terms. I may receive service without this consent by contacting Veterans United.

Maximum cashout amount based on the home value and mortgage balance information you supplied. Not guaranteed until locked in by your Loan Officer.

Paddio has been determined to be a better option for your unique homebuying situation. If you think this is a mistake and you do have military experience, please contact Veterans United Home Loans directly at 1-800-884-5560.

Neighbors Bank has been determined to be a better option for your unique homebuying situation. If you think this is a mistake and you do have military experience, please contact Veterans United Home Loans directly at 1-800-884-5560.

When autocomplete results are available use up and down arrows to review and enter to select.

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Without military experience most loans require at least 3% down.

Get More Information

"},"down_payment_notice_nb" : {"type": "hidden","label" : "

Without military experience most loans require at least 3% down.

We’ve partnered with Neighbors Bank to better serve civilian homebuyers. Veterans United is dedicated to serving Veterans and military families. Neighbors Bank is a proud member of the Veterans United family of companies and provides personalized financing solutions and top-rated customer service for homebuyers like yourself.

Get More Information →

","required": true,"value" : 1,},"down_payment_notice_html_nb" : {"type": "html","content" : "

Without military experience most loans require at least 3% down.

We’ve partnered with Neighbors Bank to better serve civilian homebuyers. Veterans United is dedicated to serving Veterans and military families. Neighbors Bank is a proud member of the Veterans United family of companies and provides personalized financing solutions and top-rated customer service for homebuyers like yourself.

Get More Information

"},"property_search" : {"label" : "Where are you looking to buy?","description" : "City or Zip Code","type": "text","invalidMsg": "Please enter a valid location.","placeholder" : "City or Zip Code","attr": "autocomplete=\"off\" aria-describedby=\"calc_inline_afford_init_prop_search_instr\" aria-owns=\"calc_inline_afford_prop_search_results_box\" aria-expanded=\"false\" aria-autocomplete=\"both\""},"property_zip" : {"type": "hidden"},"property_city" : {"type": "hidden"},"property_state" : {"type" : "hidden","required" : true,"invalidMsg": "Please enter a valid US location."},"property_state_select" : {"label": "Where will you be living?","type" : "select","required" : true,"attr": "autocomplete=\"fmcty_off\"","placeholder" : "Select the property location…","onChange" : "setPropertyState","options" : [[ "AL" , "Alabama" ],[ "AK" , "Alaska" ],[ "AZ" , "Arizona" ],[ "AR" , "Arkansas" ],[ "CA" , "California" ],[ "CO" , "Colorado" ],[ "CT" , "Connecticut" ],[ "DE" , "Delaware" ],[ "DC" , "District of Columbia" ],[ "FL" , "Florida" ],[ "GA" , "Georgia" ],[ "HI" , "Hawaii" ],[ "ID" , "Idaho" ],[ "IL" , "Illinois" ],[ "IN" , "Indiana" ],[ "IA" , "Iowa" ],[ "KS" , "Kansas" ],[ "KY" , "Kentucky" ],[ "LA" , "Louisiana" ],[ "ME" , "Maine" ],[ "MD" , "Maryland" ],[ "MA" , "Massachusetts" ],[ "MI" , "Michigan" ],[ "MN" , "Minnesota" ],[ "MS" , "Mississippi" ],[ "MO" , "Missouri" ],[ "MT" , "Montana" ],[ "NE" , "Nebraska" ],[ "NV" , "Nevada" ],[ "NH" , "New Hampshire" ],[ "NJ" , "New Jersey" ],[ "NM" , "New Mexico" ],[ "NY" , "New York" ],[ "NC" , "North Carolina" ],[ "ND" , "North Dakota" ],[ "OH" , "Ohio" ],[ "OK" , "Oklahoma" ],[ "OR" , "Oregon" ],[ "PA" , "Pennsylvania" ],[ "RI" , "Rhode Island" ],[ "SC" , "South Carolina" ],[ "SD" , "South Dakota" ],[ "TN" , "Tennessee" ],[ "TX" , "Texas" ],[ "UT" , "Utah" ],[ "VT" , "Vermont" ],[ "VA" , "Virginia" ],[ "WA" , "Washington" ],[ "WV" , "West Virginia" ],[ "WI" , "Wisconsin" ],[ "WY" , "Wyoming" ]],"disabledOptions" : false},"state_unavailable_notice" : {"type": "hidden","required": true},"state_unavailable_notice_html" : {"type": "html","content" : "

New York Homebuyers:

Due to state regulations, we are not able to accept home loan inquiries for New York properties on this site. If you are interested in a property in another area, you may hit Back and enter a different location.

"},"when_loan" : {"label": "When do you plan to buy?","type" : "radio","required" : true,"placeholder" : "Select your timeframe…","options" : [[ "offer pending" , "ASAP: Offer Pending" ],[ "within a month" , "Within a Month" ],[ "2 to 3 months" , "2 - 3 Months" ],[ "3 to 6 months" , "3 - 6 Months" ],[ "over 6 months" , "6+ Months" ],[ "no time frame" , "Not Sure" ]]},"preventing_loan" : {"label": "What prevents you from buying your new home today?","type" : "radio","required" : true,"class" : "field-stacked","options" : [[ "credit" , "My credit rating is too low" ],[ "income" , "My income is too low" ],[ "under_lease" , "I am locked in a rent/lease" ],[ "new_city" , "I am transferring to a new location" ],[ "still_looking" , "I haven’t found a home yet"],[ "other" , "Other" ]]},"property_value" : {"label": "What is your price range?","description": "(An estimate is fine)","type" : "radio","required" : true,"options" : [[ "700001" , "$700K or more" ],[ "700000" , "$600K - $700K" ],[ "600000" , "$500K - $600K" ],[ "500000" , "$400K - $500K" ],[ "400000" , "$350K - $400K" ],[ "350000" , "$300K - $350K" ],[ "300000" , "$250K - $300K" ],[ "250000" , "$200K - $250K" ],[ "200000" , "$150K - $200K" ],[ "150000" , "$100K - $150K" ],[ "90000", "under $100K" ],[ "150001" , "I don’t know"]],"onChange" : "calculateDownPayment",},"home_value" : {"label": "What is the value of your home?","description": "(An estimate is fine)","type" : "currency","required" : true,"attr": "size=\"11\" maxlength=\"11\" pattern=\"[0-9]*\"","invalidMsg": "Please enter a valid dollar amount.","onChange": "calcRefiLtv",},"down_payment" : {"label": "How much of a down payment would you like to make?","description": "","type" : "radio","required" : true,"options" : [[ "0" , "0%" ],[ "3.5" , "3.5%" ],[ "5" , "5%" ],[ "10" , "10%" ],[ "15" , "15%" ],[ "20" , "20%" ],[ "21" , "More than 20%" ]]},"credit_rating" : {"label": "What is your current credit score?","description" : "Your credit information is top secret. We keep all private data under lock and key.","type" : "radio","required" : true,"options" : [["Excellent" , "Excellent (720+)"],["Good", "Good (680-719)"],["Fair", "Fair (620-679)"],["Below Average" , "Below Average (600-619)"],["Poor", "Poor (Below 600)"],["unknown" , "I don’t know"]],},"current_rate" : {"label": "What is your current mortgage interest rate?","type" : "select","required" : true,"placeholder" : "Select your current interest rate…","options" : [[ "2.99" , "under 3%" ],[ "3" , "3%" ],[ "3.125" , "3.125%" ],[ "3.25" , "3.25%" ],[ "3.375" , "3.375%" ],[ "3.5" , "3.5%" ],[ "3.625" , "3.625%" ],[ "3.75" , "3.75%" ],[ "3.875" , "3.875%" ],[ "4" , "4%" ],[ "4.125" , "4.125%" ],[ "4.25" , "4.25%" ],[ "4.375" , "4.375%" ],[ "4.5" , "4.5%" ],[ "4.625" , "4.625%" ],[ "4.75" , "4.75%" ],[ "4.875" , "4.875%" ],[ "5" , "5%" ],[ "5.125" , "5.125%" ],[ "5.25" , "5.25%" ],[ "5.375" , "5.375%" ],[ "5.5" , "5.5%" ],[ "5.625" , "5.625%" ],[ "5.75" , "5.75%" ],[ "5.875" , "5.875%" ],[ "6" , "6%" ],[ "6.125" , "6.125%" ],[ "6.25" , "6.25%" ],[ "6.375" , "6.375%" ],[ "6.5" , "6.5%" ],[ "6.625" , "6.625%" ],[ "6.75" , "6.75%" ],[ "6.875" , "6.875%" ],[ "7" , "7%" ],[ "7.125" , "7.125%" ],[ "7.25" , "7.25%" ],[ "7.375" , "7.375%" ],[ "7.5" , "7.5%" ],[ "7.625" , "7.625%" ],[ "7.75" , "7.75%" ],[ "7.875" , "7.875%" ],[ "8" , "8%" ],[ "8.125" , "8.125%" ],[ "8.25" , "8.25%" ],[ "8.375" , "8.375%" ],[ "8.5" , "8.5%" ],[ "8.625" , "8.625%" ],[ "8.75" , "8.75%" ],[ "8.875" , "8.875%" ],[ "9" , "9%" ],[ "9.125" , "9.125%" ],[ "9.25" , "9.25%" ],[ "9.375" , "9.375%" ],[ "9.5" , "9.5%" ],[ "9.625" , "9.625%" ],[ "9.75" , "9.75%" ],[ "9.875" , "9.875%" ],[ "10" , "10%" ],[ "10.01" , "over 10%" ],[ "5.01" , "I don't know" ]]},"balance" : {"label": "How much do you currently owe on your home mortgage?","type" : "currency","required" : true,"attr": "size=\"11\" maxlength=\"11\" pattern=\"[0-9]*\"","invalidMsg": "Please enter a valid dollar amount.","onChange": "calcRefiLtv",},"refi_ltv" : {"type": "hidden","onChange": "calcRefiTotalLoanAmount"},"refi_total_loan_amount" : {"type": "hidden"},"refi_ltv_message" : {"type": "hidden","label" : "

Based on the information provided, your loan-to-value ratio is too high for a Cash-Out refinance with Veterans United.
Learn more about VA Cash-Out Refinancing

Would you still like to see if we can lower your interest rate?

","required": true,"value" : 1},"ny_opq_message" : {"type": "hidden","label" : "

Thank you for coming to Veterans United Home Loans! To continue your home loan request, please continue to our secure, online mortgage preapproval system.

Get Preapproved Online →

","required": true,"value" : 1,},"tx_cashout_message" : {"type": "radio","label" : "

Due to state restrictions, we do not offer cash-out or debt consolidation refinances in the state of Texas.

Would you still like to see if we can lower your interest rate?

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What is your name?

"},"first_name" : {"label" : "First Name:","type": "text","required": true,"placeholder" : "First","invalidMsg": "Please enter your first name.","doNotTrack": true},"last_name" : {"label" : "Last Name:","type": "text","required": true,"placeholder" : "Last","invalidMsg": "Please enter your last name.","doNotTrack": true},"address_label" : {"type": "html","content" : "

What is your current street address and ZIP?

"},"address" : {"label" : "Street Address:","description" : "","type": "text","required": true,"placeholder" : "Street Address","invalidMsg": "Please provide your current street address.","doNotTrack": true},"zip" : {"label" : "ZIP Code:","type": "text","required": true,"placeholder" : "ZIP Code","attr": "size=\"5\" maxlength=\"5\" pattern=\"[0-9]*\"","invalidMsg": "Please enter a valid 5-digit ZIP code."},"time_at_current_address" : {"label": "How long have you lived at this address?","type" : "radio","required" : true,"placeholder" : "Select a timeframe…","class" : "field-stacked","options" : [[ "less than 1 year" , "Less than 1 year" ],[ "1 to 2 years" , "1 - 2 Years" ],[ "2 to 5 years" , "2 - 5 Years" ],[ "over 5 years" , "5+ Years" ]]},"phone_full" : {"label" : "What is your phone number?","description" : "Spam calls annoy us, too. We safeguard your number like it’s our own.","type": "tel","required": true,"placeholder" : "()-","invalidMsg": "Please enter a valid phone number.","doNotTrack": true},"vuhlagree_preamble" : {"type": "html","content" : "

By submitting, I acknowledge, consent and agree to the terms listed below.

"},"vuhlagree" : {"type": "html","content" : "

By submitting, I agree to receive calls or texts at this number from Veterans United Home Loans, its affiliates, and lenders, agents and home-services providers about real estate matters or promotional offers from partners, even if they use an autodialer and even if I am on a Do Not Call List. Texting terms apply. I agree to accept delivery of documents electronically; I agree to the privacy policy and terms. I may receive service without this consent by contacting Veterans United.

"},"vuhlagree_checkbox" : {"type": "checkbox","value" : 1,"required": true,"invalidMsg": "Check the box above to continue online. You may alternatively call us at 1-800-884-5560 to move ahead.","label" : "I agree to receive calls or texts at this number from Veterans United Home Loans, its affiliates, and lenders, agents and home-services providers about real estate matters or promotional offers from partners, even if they use an autodialer and even if I am on a Do Not Call List. I agree to accept delivery of documents electronically; I agree to the privacy policy and terms. I may receive service without this consent by contacting Veterans United."},"opq" : {"label": "You’re almost there! How would you like to proceed?","type" : "radio","required" : true,"invalidMsg": "Please tell us how you would like to proceed.","options" : [[ "no" , "Request a Call" ],[ "yes" , "Continue Online" ]]},"secure_label" : {"type" : "html","content" : "SECURE FIELD: Protected by 256-bit SSL Encryption"},"gross_income" : {"label": "What's your annual household income?","type" : "radio","required" : true,"placeholder" : "Select your gross household income…","invalidMsg": "Please select the total gross (before taxes) annual income for your household.","options" : [[ '200001', 'Greater than $200,000' ],[ '200000', '$150,000 - $200,000' ],[ '150000', '$100,000 - $150,000' ],[ '100000', '$75,000 - $100,000' ],[ '75000' , '$50,000 - $75,000' ],[ '50000' , '$30,000 - $50,000' ],[ '30000' , 'Less than $30,000' ],]},"bankruptcy" : {"label": "Have you declared bankruptcy in the past 2 years?","type" : "radio","required" : true,"placeholder" : "Select a response…","invalidMsg": "Please select your bankruptcy status.","class" : "field-stacked","options" : [[ 'Never' , 'No' ],[ 'Currently' , 'Yes' ]]},"occupational_status" : {"label": "What is your current employment status?","type" : "radio","required" : true,"placeholder" : "Select your employment status…","invalidMsg": "Please select your current employment status.","class" : "field-stacked","options" : [['Employed', 'Employed'],['Self-Employed' , 'Self-Employed / 1099 Independent Contractor'],['Retired' , 'Retired'],['Not-Employed', 'Not Employed']]},"occupational_industry" : {"label": "In which industry are you employed?","type" : "radio","required" : true,"placeholder" : "Select your employment industry…","invalidMsg": "Please select your current employment industry.","options" : [['Agriculture', 'Agriculture'],['Construction' , 'Construction'],['Education', 'Education' ],['Engineering', 'Engineering' ],['Hospitality', 'Food & Hospitality' ],['Finance', 'Finance' ],['Healthcare' , 'Healthcare' ],['IT' , 'Information Technology' ],['LawEnforcementPublicSafety', 'Law Enforcement / Safety' ],['Transportation', 'Transportation / Logistics' ],['Other', 'Other']]},"marital_status" : {"label": "What is your current marital status?","type" : "radio","required" : true,"placeholder" : "Select your marital status…","invalidMsg": "Please select your current marital status.","options" : [['Married' , 'Married'],['Unmarried' , 'Unmarried'],['Legally Separated' , 'Legally Separated'],['Widowed', 'Widowed'],['Other', 'Other'],['unknown', 'I’d rather not say']]},"has_real_estate_agent" : {"label": "Are you currently working with a real estate agent?","type" : "radio","required" : true,"placeholder" : "Select a response…","invalidMsg": "Please select a response.","class" : "field-stacked","options" : [['no', 'No, I do not have an agent'],['yes' , 'Yes, I have an agent']]},"wants_real_estate_agent" : {"label": "Do you need a real estate agent?","type" : "radio","required" : true,"description" : "Earn up to $1,875* credit at closing when you also work with a Veterans United Realty network agent!","invalidMsg": "Please select a response.","class" : "field-stacked","options" : [['yes' , 'Yes, I need an agent (Recommended)'],['no', 'No, I already have an agent'],['na', 'Skip this question']]},"vur_offer_disclaimer" : {"label": "*Credit amounts vary based on factors including loan amount, restrictions apply.","type" : "hidden"},"cash_out" : {"label" : "Would you like to use your home’s equity to borrow additionalcash?","type": "radio","required": true,"options" : [[ "yes" , "Yes" ],[ "no", "No" ]]},"cash_out_amount" : {"label" : "How much additional cash would you like to take out?","description" : "You may be able to take out as much as $325,000.","type": "number_slider","required": true,"mask": "number","attr": "size=\"11\" maxlength=\"11\" pattern=\"[0-9]*\"","min" : "0","max" : 325000,"step": 500,"value" : "0","onChange": "calcRefiTotalLoanAmount"},"first_time" : {"label" : "Is this your first time buying a home?","type": "radio","required": true,"class" : "field-stacked","options" : [[ "yes" , "Yes" ],[ "no", "No" ]]},"sell_before_purchase" : {"label" : "Will you sell your current home?","type": "radio","required": true,"class" : "field-stacked","options" : [[ "yes" , "Yes" ],[ "no", "No" ]]},"renting_end_date_label" : {"type": "html","content" : "

When does your lease end?

"},"renting_end_date_month" : {"label" : "Month:","type": "select","required": true,"placeholder" : "Month","invalidMsg": "Please select a month.","options" : [[ "01" , "01 - January" ],[ "02" , "02 - February" ],[ "03" , "03 - March" ],[ "04" , "04 - April" ],[ "05" , "05 - May" ],[ "06" , "06 - June" ],[ "07" , "07 - July" ],[ "08" , "08 - August" ],[ "09" , "09 - September" ],[ "10" , "10 - October" ],[ "11" , "11 - November" ],[ "12" , "12 - December" ],[ "99" , "Other / No End Date" ]]},"renting_end_date_year" : {"label" : "Year:","type": "select","required": true,"placeholder" : "Year","invalidMsg": "Please select a valid date in the future.","options" : [[ "2024" , "2024" ],[ "2025" , "2025" ],[ "2026" , "2026" ],[ "2027" , "2027" ],[ "2028" , "2028" ],[ "2029" , "2029+" ],[ "9999" , "Other / No End Date" ]]},"current_rent_amount" : {"label": "What is your current monthly rent payment?","type" : "currency","placeholder" : "","required" : true,"attr": "size=\"9\" maxlength=\"9\" pattern=\"[0-9]*\"","invalidMsg": "Please enter a valid dollar amount.",},"desired_payment" : {"label" : "What is your desired monthly payment?","description" : "Enter a monthly payment, including taxes and insurance, that feels comfortable in your budget. An estimate is fine.","type": "currency","required": true,"placeholder" : "","invalidMsg": "Please enter a valid dollar amount.","attr": "size=\"9\" maxlength=\"9\" pattern=\"[0-9]*\"",},"twilio_phone" : {"label" : "What is your phone number?","type": "tel","required": true,"placeholder" : "()-","invalidMsg": "Please enter a valid phone number.","doNotTrack": true,},"phone_resend_label" : {"type": "html","content" : "Didn't get a code?"},"phone_resend_text" : {"label" : "","type": "radio","class" : "inline-link","required": false,"options" : [[ "text" , "Resend code" ],],"onChange": "resendCodeText",},"phone_resend_call" : {"label" : "","type": "radio","class" : "inline-link","required": false,"options" : [[ "call" , "Call me with a code" ],],"onChange": "resendCodeCall",},"phone_verify_code" : {"label" : "Verification Code","description" : "Please enter the 4-digit code that was sent to you.","type": "text","attr": "inputmode=\"numeric\" autocomplete=\"one-time-code\" maxlength=\"4\" pattern=\"[0-9]*\"","required": true,"placeholder" : '0000',"invalidMsg": "Please enter the code sent.",},"previous_customer" : {"label" : "Have you closed a loan with Veterans United before?","type": "radio","required": true,"class" : "field-stacked","options" : [[ "yes" , "Yes" ],[ "no" , "No" ],]},"vu_referrer" : {"label" : "How did you hear about VeteransUnited?","type": "radio","required": true,"options" : [[ "friend or family" , "Friend or Family Member" ],[ "real estate agent" , "Real Estate Agent" ],[ "builder" , "My Builder" ],[ "internet search" , "Internet Search" ],[ "online ad" , "Online Advertisem*nt" ],[ "tv or radio" , "TV or Radio Ad" ],[ "direct mail" , "Direct Mail" ],[ "other" , "Other" ]]},"disability_rating" : {"label": "Do you have a disability rating of 10% or higher from theVA?","description" : "Your disability rating may exempt you from the VA Funding Fee, a governmental fee applied to every VA purchase and refinance loan. This fee goes directly to the Department of Veterans Affairs.","type" : "radio","required" : true,"class" : "field-stacked","options" : [[ "yes" , "Yes" ],[ "no" , "No" ],[ "unknown" , "I’d rather not say" ]]},"disability_income" : {"label": "Are you currently receiving VADisability Income?","description" : "Your receipt of VAdisability income may help us determine other benefits of your VAloan.","type" : "radio","required" : true,"class" : "field-stacked","options" : [[ "yes" , "Yes" ],[ "no" , "No" ],[ "unknown" , "I’d rather not say" ]]},"current_loan_type" : {"label" : "What type of loan is your current mortgage?","type" : "radio","required" : true,"options" : [["Conventional" , "Conventional"],["VA" , "VA"],["FHA" , "FHA"],["USDA" , "USDA"],["none" , "No current mortgage"],["unknown" , "I don’t know"]]},"previous_va_loan" : {"label" : "Have you ever used a VA Loan before?","type" : "radio","required" : true,"class" : "field-stacked","options" : [["yes" , "Yes"],["no" , 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: "radio","value" : 1,"required" : true,"options" : [["1", "Continue"]],},"start_html" : {"type": "html","content" : "

Yes, VA Loans Can Be Used to Purchase Older Homes (2)

"},"prompt_forward" : {"type": "hidden","value" : "1"},"house_html" : {"type": "html","content" : "

Yes, VA Loans Can Be Used to Purchase Older Homes (3)

"},"calc_annual_income_label" : { "type" : "html", "content" : "See What You Can Afford" },"vu_branding" : { "type" : "html", "content" : "Yes, VA Loans Can Be Used to Purchase Older Homes (4)" },'calc_annual_income' : {"label": "What's your annual household income?","description" : "","type" : "number_slider","min" : 10000,"max" : 500000,"value" : "72000","mask" : "number","attr": "size=\"11\" maxlength=\"11\" pattern=\"[0-9]*\"","step" :[[0, 1000],[100000 , 10000]],"invalidMsg": "Please enter a dollar amount.",},"result_html" : {"type": "html","content" : "

Your Quick Estimate:

$

"},},"order": [{"title" : "start-calc","inputs" :["src","curi","wuri","mktast","adg","cmp","desc","gclid","dclid","dnt_flag","fbclid","msclkid","utm_source","utm_medium","utm_campaign","utm_term","utm_content","val_exp","val_cmp","val_lead","fbp","host_name","form_id","frn","ap_token","opq_guid","opq_worthy","opq_version","opq_treatment","lead_partner_lead_id","adid","plc","ss_test_variation","ss_opq_test_variation","json","google_client_id","start_time","refi_ltv","refi_total_loan_amount","vu_agreestovuprivacypolicy","vu_agreestovutermsandconditions","vu_consentstovutcpa","vu_agreestovuautodial","vu_agreestovutexting","vu_agreestosmsterms","vu_agreestovusharingwithaffiliates","vu_agreestotransactioncommunications","vu_agreestolendingpartners","vu_agreestohbcpartneroffers","matchtype","mbsy_source","campaignid","microsoftadsnetworktype","mbsy","vu_agreestoedelivery","mrc_agreestohomeservices","twilio_version","lead_intent","purpose","property_value","house_html","calc_annual_income_label","calc_annual_income",],"nextText" : "Start Calculating",},{"title" : "property-location","inputs" : ["property_search","property_zip","property_state","property_city"]},{"title" : "continue-online","inputs" : ["ny_opq_message"]},{"title" : "property-state","inputs" : ["property_state_select"]},{"title" : "texas-cashout","inputs" : ["tx_cashout_message"]},{"title" : "result-slide","inputs" :["result_html","living_situation",],},{"title" : "military-branch","inputs" : ["military_branch"]},{"title" : "active-duty","inputs" : ["military_status"]},{"title" : "pcs-orders","inputs" : ["pcs"],},{"title" : "refi-goals","inputs" : ["refi_reason"]},{"title" : "first-time","inputs" : ["first_time"]},{"title" : "property-type","inputs" : ["property_type"]},{"title" : "manufactured-property","inputs" : ["manufactured_own"]},{"title" : "property-use","inputs" : ["property_use"]},{"title" : "where-in-process","inputs" : ["vu_whereprocess"]},{"title" : "timeframe","inputs" : ["when_loan"]},{"title" : "timeframe-reason","inputs" : ["preventing_loan"]},{"title" : "sell-home","inputs" : ["sell_before_purchase"]},{"title" : "current-loan","inputs" : ["current_loan_type"]},{"title" : "mortgage-balance","inputs" : ["balance"]},{"title" : "interest-rate","inputs" : ["current_rate"]},{"title" : "refi-continue","inputs" : ["refi_ltv_message"],"nextText" : "Yes, continue"},{"title" : "cash-out-amount","inputs": ["cash_out_amount"],"after" : "

Maximum cashout amount based on the home value and mortgage balance information you supplied. Not guaranteed until locked in by your Loan Officer.

"},{"title" : "credit-rating","inputs" : ["credit_rating"]},{"title" : "employment","inputs" : ["occupational_status"]},{"title" : "income","inputs" : ["gross_income"]},{"title" : "bankruptcy","inputs" : ["bankruptcy"]},{"title" : "property-state","inputs" : ["civilian_property_state_select"]},{"title" : "three-percent-down","inputs" : ["three_percent_down"]},{"title" : "down-payment","inputs" : ["down_payment"]},{"title" : "down-payment-notice","inputs" : ["down_payment_notice",],},{"title" : "down-payment-notice-nb","inputs" : ["down_payment_notice_nb",],},{"title" : "paddio","inputs" : ["paddio",],"after" : "

Paddio has been determined to be a better option for your unique homebuying situation. If you think this is a mistake and you do have military experience, please contact Veterans United Home Loans directly at 1-800-884-5560.

"},{"title" : "neighbors-bank","inputs" : ["neighbors",],"after" : "

Neighbors Bank has been determined to be a better option for your unique homebuying situation. If you think this is a mistake and you do have military experience, please contact Veterans United Home Loans directly at 1-800-884-5560.

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    ').appendTo('#' + form_id + '_prop_search_results_box');}var autocomplete_results = autocomplete.find('.fmcty-autocomplete-results');if (value.length < 2) {prop_zip.val('').trigger('change');prop_city.val('').trigger('change');prop_state.val('').trigger('change');result_display.val('');section.removeClass('mrc-zip-complete').find('.fmcty-ajax-result-description').remove();prop_search.attr('aria-expanded', 'false');return;}section.addClass('fmcty-section-waiting mrc-section-waiting');Fmcty.fn.callLocationLookupService(value,function(result) {if (typeof result.data !== 'undefined') {autocomplete_results.html('');for (var i = 0; i < result.data.length; i++) {if (result.data[i].PLACENAME) {var autocomplete_item = "",autocomplete_id = "";if (result.data[i].type === 'zip') {autocomplete_item = result.data[i].ZIPCODE+", ";autocomplete_id = result.data[i].ZIPCODE;} else {autocomplete_id = result.data[i].CityStateKey;}if (result.data[i].PLACENAME) {autocomplete_item += result.data[i].PLACENAME+', ';}if (result.data[i].STATEABBV) {autocomplete_item += result.data[i].STATEABBV;}autocomplete_results.append('

  • '+autocomplete_item+'
  • ');}}location = result.data[0];section.find('#prop_search_aria_update').text(result.data.length + ' location results');section.removeClass('fmcty-section-waiting mrc-section-waiting').addClass('mrc-zip-complete');prop_search.closest('.fmcty-field').addClass('fmcty-field-focused');prop_search.attr('aria-expanded', 'true');section.find('.fmcty-field-validation').remove();location_display = "";if (location.PLACENAME) {location_display += location.PLACENAME+", ";prop_city.val(location.PLACENAME).trigger('change');} else {prop_city.val('').trigger('change');}if (location.STATEABBV) {location_display += location.STATEABBV;prop_state.val(location.STATEABBV).trigger('change');} else {prop_state.val('').trigger('change');}if (location.ZIPCODE) {prop_zip.val(location.ZIPCODE).trigger('change');} else {prop_zip.val('').trigger('change');}if (location.type === "zip") {location_display = location.ZIPCODE+", " + location_display;}var location_display_partial = location_display.slice(0, value.length),value_regex = new RegExp(value.replace(/[\.\-\d\w\s]+/g, '$&'), 'i'),location_regex = new RegExp(location_display_partial.replace(/[\.\-\d\w\s]+/g, '$&'), 'i'),location_result = location_regex.test(value_regex);if (location_result) {location_display = value + location_display.slice(value.length);} else {location_display = "";}result_display.val(location_display);} else {section.removeClass('fmcty-section-waiting mrc-section-waiting').removeClass('mrc-zip-complete');prop_search.attr('aria-expanded', 'false');section.find('#prop_search_aria_update').text('');prop_zip.val('').trigger('change');prop_city.val('').trigger('change');prop_state.val('').trigger('change');result_display.val('');section.find('.fmcty-ajax-result-description').remove();}},function(result) {if (result.statusText && result.statusText === "error") {section.removeClass('fmcty-section-waiting mrc-section-waiting').removeClass('mrc-zip-complete');prop_search.attr('aria-expanded', 'false');prop_state.val('fail').trigger('change');section.find('.fmcty-ajax-result-description').remove();} else {prop_zip.val('').trigger('change');prop_city.val('').trigger('change');prop_state.val('').trigger('change');result_display.val('');}});};Fmcty.fn.setPropertyState = function(Fmcty,input,value,values,event) {var form;if (window.Fmcty.version && parseFloat(window.Fmcty.version) >= 2) { /* Fmcty 2.0 conversion */form= Fmcty.form;value = Fmcty.value;} else {form = input.closest('.fmcty-form');}form.find('input[name="property_state"]').val(value).trigger('change');form.find('input[name="property_city"]').val('').trigger('change');};if (Fmcty.values) {var prop_search_val = "";if (Fmcty.values.property_zip) {prop_search_val = Fmcty.values.property_zip;if (Fmcty.values.property_city) {prop_search_val += ", ";}}if (Fmcty.values.property_city) {prop_search_val += Fmcty.values.property_city;if (Fmcty.values.property_state) {prop_search_val += ", " + Fmcty.values.property_state;}}Fmcty.values.property_search = prop_search_val;}Fmcty.fn.calcRefiLtv = function(data){Fmcty.fn.calcRefiTotalLoanAmount(data);if (!data.values.home_value || !data.values.balance || data.values.home_value == 0) {return;}var homeVal = parseInt(data.values.home_value),balance = parseInt(data.values.balance),ltv = Math.round(balance / homeVal * 100),cashOutMax = Math.round((homeVal * .9 ) - balance);if (cashOutMax > 325000){cashOutMax = 325000;} else if (cashOutMax < 0){cashOutMax = 0;}Fmcty.var.cashOutMax = cashOutMax;if (data.values.cash_out_amount > cashOutMax) {data.form.find('[name="cash_out_amount"]').val(cashOutMax).trigger('change');}data.form.find('[name="refi_ltv"]').val(ltv).trigger('change');data.form.find('.fmcty_max_cash_out').text(String(cashOutMax).replace(/(.)(?=(\d{3})+$)/g,'$1,'));};Fmcty.fn.calcRefiTotalLoanAmount = function(data){var balance = parseInt(data.values.balance) || 0,cashout = parseInt(data.values.cash_out_amount) || 0;data.form.find('[name="refi_total_loan_amount"]').val(balance + cashout).trigger('change');};Fmcty.fn.txCashout = function(data){data.form.find('input[name="refi_reason"]').prop('checked',false).trigger('change').filter('[value="rate"]').prop('checked',true).trigger('change');};Fmcty.fn.submitFn = function(data){var response = data;if (data.response) {response = data.response; /* Fmcty 2.0 conversion */}if (data.values) {Fmcty.fn.recordLeadFeed(data.values);}if (response && response.return_url) {window.location = response.return_url;}};Fmcty.fn.recordLeadFeed = function(values){if (values && values.first_name && values.property_city){var badNames = ["test","f*ck","f*cker","sh*t","bitch","nigg*r","no","none"];if(jQuery.inArray(values.first_name.toLowerCase(), badNames) === -1) {$.ajax({type: "POST",url: "https://webhook.proofapi.com/cw/s8PWk6DsvxQ1kIlMHomPRJK4BRE2/-M78Glw6aeb1hgoWfTvm",dataType: "json",data: {"type" : "custom","first_name" : values.first_name,"email" : values.first_name+values.zip+Math.floor((Math.random() * 1000) + 1)+"@example.com","city": values.property_city,"state": values.property_state,"country": "United States",},success: function(response) {},error: function(response) {},});}}};Fmcty.fn.utf8_to_b64 = function( str ) {return window.btoa(unescape(encodeURIComponent( str )));};Fmcty.fn.createRngCookie = function(data){var cookieName = "rngFormData";var lifetime =30;var value = Fmcty.fn.utf8_to_b64(JSON.stringify(data));Fmcty.fn.createCookie(cookieName,value,lifetime);};Fmcty.fn.saveRngFormValues = function(data){var values = data.values;var cookie = Fmcty.fn.checkRngCookie('rngFormData');var rngData = {};rngData.cookieTimeStamp = new Date();rngData.currentField = $(data.section).attr('data-fmcty-section');var session = Fmcty.fn.newSession(values);rngData.progress = [];if (typeof cookie !== 'undefined') {rngData.refreshCount = cookie.refreshCount;if(typeof cookie.progress !== 'undefined') {rngData.progress = cookie.progress;}} else {rngData.refreshCount = 0;}if(window.sessionStorage.isNewSession != 'false' || typeof window.sessionStorage.inNewSession === 'undefined') {rngData.progress.push(JSON.parse(session));}$.each(values,function(key,value){if ($.inArray(key,Fmcty.rngFields) !== -1){rngData[key] = value;}});Fmcty.fn.createRngCookie(rngData);};Fmcty.fn.deleteRngValues = function() {var cookieName = "rngFormData";Fmcty.fn.createCookie(cookieName,"",-1);};Fmcty.fn.createCookie = function(name,value,days) {if (days) {var date = new Date();date.setTime(date.getTime()+(days*24*60*60*1000));var expires = "; expires="+date.toGMTString();}else var expires = "";document.cookie = name+"="+value+expires+"; path=/";};Fmcty.fn.checkRngCookie = function(name) {const value = `; ${document.cookie}`;const parts = value.split(`; ${name}=`);if (parts.length === 2) return $.parseJSON(atob(parts.pop().split(';').shift()));};Fmcty.fn.newSession = function(data) {window.sessionStorage.isNewSession = false; var date = new Date();var nextSection = Fmcty.fn.findNextSection(Object.keys(data));return '{"timestamp":"'+date.toLocaleString().replace(/[^ -~]/g,'')+'", "nextSection":"'+nextSection+'", "src":"'+data.src+'", "cmp":"'+data.cmp+'"}';};Fmcty.fn.findNextSection = function(prefilledFields) {var form = $('#calc_inline_afford');var fieldClasses = prefilledFields.map(function(field) {return '.field-' + field;});fieldClasses.push('.fmcty-field-hidden, .fmcty-field-hidden-input:not(.field-ny_opq_message), .fmcty-field-html, .fmcty-field-submit, .fmcty-field-next, .fmcty-field-prev');var nextSection = form.find('.fmcty-field').not(fieldClasses.join(', ')).first().closest('.fmcty-section');return nextSection.parent().children().index(nextSection) + 1;};addEventListener('beforeunload', (event) => {var data = Fmcty.fn.checkRngCookie('rngFormData');if(!data) {} else {data.refreshCount++;Fmcty.fn.createRngCookie(data);}});Fmcty.fn.utf8_to_b64 = function( str ) {return window.btoa(unescape(encodeURIComponent( str )));};Fmcty.fn.createRldCookie = function(data){var cookieName = "rldFormData";var lifetime =1;var value = Fmcty.fn.utf8_to_b64(JSON.stringify(data));Fmcty.fn.createCookie(cookieName,value,lifetime);};Fmcty.fn.saveRldFormValues = function(data){var values = data.values;var rldData = {};rldData.cookieTimeStamp = new Date();rldData.currentField = $(data.section).attr('data-fmcty-section');$.each(values,function(key,value){if ($.inArray(key,Fmcty.rldFields) !== -1){rldData[key] = value;}});Fmcty.fn.createRldCookie(rldData);};Fmcty.fn.deleteRldValues = function() {var cookieName = "rldFormData";Fmcty.fn.createCookie(cookieName,"",-1);};Fmcty.fn.createCookie = function(name,value,days) {if (days) {var date = new Date();date.setTime(date.getTime()+(days*24*60*60*1000));var expires = "; expires="+date.toGMTString();}else var expires = "";document.cookie = name+"="+value+expires+"; path=/";};Fmcty.fn.setBindings = function(form_var){form_var.on("fmcty:next fmcty:prev",function(e,data){var scrollTop = $(document).scrollTop(),formTop = $('#calc_inline_afford').offset().top;if ( scrollTop > formTop ) {$("html, body").animate({scrollTop:formTop},500)}});form_var.on("fmcty:next",function(e,data){var elem = data;if (data.section) {elem = data.section; /* Fmcty 2.0 conversion */}if (typeof ga !== 'undefined') {ga('vuhlga.send', {hitType: 'event',eventCategory: 'Formocity: #calc_inline_afford',eventAction: 'Advance To Section',eventLabel: $(elem).data('fmctySection')});}});form_var.on("fmcty:prev",function(e,data){var elem = data;if (data.section) {elem = data.section; /* Fmcty 2.0 conversion */}if (typeof ga !== 'undefined') {ga('vuhlga.send', {hitType: 'event',eventCategory: 'Formocity: #calc_inline_afford',eventAction: 'Back To Section',eventLabel: $(elem).data('fmctySection')});}});form_var.on("fmcty:change",function(e,data){if (window.dataLayer && data && data.input_name && ( data.input_name === "property_value" || data.input_name === "home_value" ) ) {var adValue = parseInt(data.value) / 1000;window.dataLayer.push({event : "adValue",adValue : adValue});}});form_var.on("fmcty:submit",function(e,data){var values;if (data.values) {values = data.values;} else {values = data;}if (typeof ga !== 'undefined') {ga('vuhlga.send', {hitType: 'event',eventCategory: 'Formocity: #calc_inline_afford',eventAction: 'Submit',eventLabel: values.plc + ' ~ ' + values.purpose});}if (window.dataLayer) {if ( ! ( parseInt(values.property_value) < 100000 || parseInt(values.home_value) < 100000 ) && values.credit_rating !== "Poor" && values.credit_rating !== "unknown" ) {window.dataLayer.push({event : "pkTrueSubmit"});}}});Fmcty.fn.setFrn = function(data){var frnEl;if (data.form){frnEl = $(data.form).find("input[name='frn']");} else {frnEl = $("input[name='frn']");}var frnVal = frnEl.val();if ( !frnVal ){frnEl.val((Math.random() * 100).toFixed(2)).trigger('change');}};form_var.on('fmcty:ready', Fmcty.fn.setFrn);form_var.on('fmcty:ready',function(){function check_ga() {if (typeof ga === 'function') {ga(function() {var tracker = ga.getByName('vuhlga');var client_id = tracker.get('clientId');$("input[name='google_client_id']").val(client_id).trigger('change');});} else {setTimeout(check_ga,500);}}check_ga();});var currStepNum, nextStepNum, prevStepNum, currStep, nextStep, prevStep, progBar, progWrapper;currStepNum = 0;progBar = $('#fmcty-progress-bar-container .progress-bar');progWrapper = $('#fmcty-progress-bar-container');var stepOneCopy = ("Enter your city to check your buying power");var stepTwoCopy = ("Low: More details required");var stepThreeCopy = ("Fair: Share your homebuying goals");var stepFourCopy = ("Good: Estimate accuracy is improving");var stepFiveCopy = ("Strong: Preparing your estimate");var stepSixCopy = ("Completed: Get your quote today");descriptionText = $('.descriptionText');function checker(data) {var service, servicePartTwo, property, propertyPartTwo, eligiblity, eligibilityPartTwo, details, final, finalQuestion, currSlide;var currSlide = $(data.section).attr("data-fmcty-section"); service = ["property-location",];servicePartTwo = ["result-slide","military-branch","active-duty","pcs-orders","first-time",];property = ["property-value","home-value","mortgage-balance","interest-rate","cash-out-amount","property-type","property-use","living_situation","where-in-process",];propertyPartTwo = ["timeframe","current-home","rent-payment","lease-end","first-time","sell-home",];eligibility = ["credit-rating","employment","income","previous-va",];eligibilityPartTwo = ["bankruptcy",];details = ["email","name",];final =["current-address","time-at-current-address",];finalQuestion =["phone",];if($.inArray(currSlide,service)>=0){currStepNum = 1;progBar.width(5+'%');$('.descriptionText span').html(stepOneCopy);} else if($.inArray(currSlide,servicePartTwo)>=0){currStepNum = 2;progBar.width(15+'%');$('.descriptionText span').html(stepTwoCopy);} else if($.inArray(currSlide,property)>=0){currStepNum = 3;progBar.width(28+'%');$('.descriptionText span').html(stepThreeCopy);} else if($.inArray(currSlide,propertyPartTwo)>=0){currStepNum = 4;progBar.width(41+'%');$('.descriptionText span').html(stepThreeCopy);} else if($.inArray(currSlide,eligibility)>=0){currStepNum = 5;progBar.width(63+'%');$('.descriptionText span').html(stepFourCopy);} else if($.inArray(currSlide,eligibilityPartTwo)>=0){currStepNum = 6;progBar.width(75+'%');$('.descriptionText span').html(stepFourCopy);} else if($.inArray(currSlide,details)>=0){currStepNum = 7;progBar.width(85+'%');$('.descriptionText span').html(stepFiveCopy);}else if($.inArray(currSlide,final)>=0){currStepNum = 8;progBar.width(95+'%');$('.descriptionText span').html(stepFiveCopy);}else if($.inArray(currSlide,finalQuestion)>=0){currStepNum = 9;progBar.width(100+'%');$('.descriptionText span').html(stepSixCopy);};currStepNum = currStepNum;nextStepNum = (currStepNum + 1);prevStepNum = (currStepNum - 1);currentStep = $('.fmcty-progress-icon.step-' + currStepNum);prevStep = $('.fmcty-progress-icon.step-' + prevStepNum);nextStep = $('.fmcty-progress-icon.step-' + nextStepNum);};form_var.on('fmcty:ready', function(e, data) {form_var.on('fmcty:progress_updated', function(e, data) {if (data.container.find('.fmcty-section-first.fmcty-section-active').length > 0) {progWrapper.removeClass('fmcty-progress-bar-active');descriptionText.hide();} else {progWrapper.addClass('fmcty-progress-bar-active');descriptionText.show();}});});form_var.on('fmcty:next', function(e, data) {checker(data);$('#fmcty-progress-bar-container').removeClass('step-' + currStepNum).addClass('step-' + currStepNum);currentStep.addClass('active');prevStep.removeClass('active').addClass('valid');progWrapper.removeAttr('class').addClass('step-' + currStepNum).data('fmcty-progress', currStepNum);});form_var.on('fmcty:prev', function(e, data) {checker(data);$('#fmcty-progress-bar-container').removeClass('step-' + currStepNum).addClass('step-' + (prevStepNum));currentStep.addClass('active').removeClass('valid');nextStep.removeClass('valid, active');progWrapper.removeAttr('class').addClass('step-' + currStepNum).data('fmcty-progress', currStepNum);});form_var.on("fmcty:progress_updated",function(e,data){if (data.progress.currentStep > 1) {$('body').addClass('form-started form-engaged');data.container.addClass('fmcty-started fmcty-engaged');} else {$('body').removeClass('form-started');data.container.removeClass('fmcty-started');}});form_var.on('fmcty:section_complete', function(e, data){if (data.section.attr('data-fmcty-section') == 'email'){if(Fmcty.calc_inline_afford) {var values = Fmcty.calc_inline_afford.values;$.post("/v3/marketo_partial.php", values);}}});var plc = form_var.data('fmctyPlc');if (plc && window.calcInlineAffordConfig && window.calcInlineAffordConfig.inputs && window.calcInlineAffordConfig.inputs.plc) {window.calcInlineAffordConfig.inputs.plc.value = plc;}form_var.on('fmcty:ready',function(e,data) {var autocomplete_click = false;function autoAdvanceSection (section) {var hasAutoAdvance = !(section.data('fmcty-auto-advance') === false);if (hasAutoAdvance) {Fmcty['calc_inline_afford'].next();}}form_var.find('[name="property_search"]').not('[type="hidden"]').closest('.fmcty-field').append('

    When autocomplete results are available use up and down arrows to review and enter to select.

    ' );form_var.on('click','.fmcty-autocomplete-result',function(e) {e.preventDefault();var link= $(this),section = link.closest('.fmcty-section'),hint= section.find('.fmcty-autocomplete-placeholder'),prop_search = section.find('input[name="property_search"]'),prop_zip= section.find('input[name="property_zip"]'),prop_state= section.find('input[name="property_state"]'),prop_city = section.find('input[name="property_city"]');prop_zip.val(link.data('zip')).trigger('change');prop_city.val(link.data('city')).trigger('change');prop_state.val(link.data('state')).trigger('change');prop_search.val(link.text());hint.val(link.text());section.find('#prop_search_aria_update').text(hint.val() + ' selected');section.removeClass('mrc-zip-complete');prop_search.attr('aria-expanded', 'false');if ( '' == 'standard' ) {prop_search.focus().closest('.fmcty-field').removeClass('fmcty-field-focused');} else {autoAdvanceSection(section);}}).on('mousedown','.fmcty-autocomplete-result', function(e) {autocomplete_click = true;});form_var.find('[name="property_search"]').not('[type="hidden"]').wrap('

    ').on('focus',function(e){var link = $(this),section = link.closest('.fmcty-section');link.closest('.fmcty-field').addClass('fmcty-field-focused');if (section.hasClass('mrc-zip-complete')) {prop_search.attr('aria-expanded', 'true');}}).on('blur',function(e){var link= $(this),section = link.closest('.fmcty-section'),prop_search = section.find('input[name="property_search"]');if(autocomplete_click) {autocomplete_click = false;form_var.on('mouseup', function() {$(link).closest('.fmcty-field').removeClass('fmcty-field-focused');prop_search.attr('aria-expanded', 'false');$(this).off('mouseup');});} else {$(link).closest('.fmcty-field').removeClass('fmcty-field-focused');prop_search.attr('aria-expanded', 'false');}}).on('keydown',function(e){if(e.which === 13) {e.preventDefault();e.stopImmediatePropagation();}}).on('keyup',function(e) {var input = $(this),section = input.closest('.fmcty-section');hint= section.find('.fmcty-autocomplete-placeholder'),prop_field= section.find('.field-property_search'),prop_search = section.find('input[name="property_search"]');var results = $('.fmcty-autocomplete-result');section.find('.fmcty-autocomplete-placeholder').val('');switch(e.which) {case 9:break;case 13:section.removeClass('mrc-zip-complete');section.find('#prop_search_aria_update').text(hint.val() + ' selected');if ( '' == 'standard' ) {prop_search.focus().closest('.fmcty-field').removeClass('fmcty-field-focused');} else {autoAdvanceSection(section);}break;case 16:case 37:case 38:case 39:case 40:break;default:Fmcty.fn.locationLookup({"event": e,"input": input,"value": input.val(),"form_id": data.form_id,});break;}if (results.length && prop_field.hasClass('fmcty-field-focused') && section.hasClass('mrc-zip-complete') ) {var selected_result = results.filter('.hover');results.removeClass('hover').attr('aria-selected', 'false');prop_search.removeAttr('aria-activedescendant');if (e.which === 38 || e.which === 40) {var hint= section.find('.fmcty-autocomplete-placeholder'),prop_zip= section.find('input[name="property_zip"]'),prop_state= section.find('input[name="property_state"]'),prop_city = section.find('input[name="property_city"]');switch(e.which) {case 38:if (selected_result.length && selected_result.prev().length) {selected_result = selected_result.prev().addClass('hover').attr('aria-selected', 'true');prop_search.attr('aria-activedescendant', selected_result.attr('id'));input.val(selected_result.text());hint.val(selected_result.text());prop_zip.val(selected_result.data('zip')).trigger('change');prop_city.val(selected_result.data('city')).trigger('change');prop_state.val(selected_result.data('state')).trigger('change');} else {prop_search.removeAttr('aria-activedescendant');}break;case 40:if (! selected_result.length) {selected_result = results.first().addClass('hover').attr('aria-selected', 'true');} else if (selected_result.next().length) {selected_result = selected_result.next().addClass('hover').attr('aria-selected', 'true');} else {selected_result = results.last().addClass('hover').attr('aria-selected', 'true');}prop_search.attr('aria-activedescendant', selected_result.attr('id'));input.val(selected_result.text());hint.val(selected_result.text());prop_zip.val(selected_result.data('zip')).trigger('change');prop_city.val(selected_result.data('city')).trigger('change');prop_state.val(selected_result.data('state')).trigger('change');break;}}}});});form_var.on('fmcty:ready', function() {function check_ap() {if (typeof window.activeProspectCert !== 'undefined') {$("input[name='ap_token']").val(window.activeProspectCert).trigger('change');} else {if(typeof loadTrustedForm == 'function') {loadTrustedForm();setTimeout(check_ap,1000);}}}check_ap();});form_var.on("fmcty:section_complete", function(e,data) {if(data.section.attr("data-fmcty-section") == "current-home") {if(data.values.living_situation == "rent") {calc_inline_afford.find('[name="purpose"][value="P"]').prop('checked', true).trigger('change');}};});};Fmcty.fn.setBindings(calc_inline_afford);populateAddresses = function (result) {var input = $('input[name="property_search_2"]');var section = input.closest('.fmcty-section');var prop_search = section.find('input[name="property_search_2"]');var prop_rupid = section.find('input[name="property_rupid"]');var autocomplete = section.find('.fmcty-autocomplete');var autocomplete_results = autocomplete.find('.fmcty-autocomplete-results');var placeholder = $('.fmcty-autocomplete-placeholder');if (typeof result.content !== 'undefined') {autocomplete_results.html("");placeholder.html("");section.find("#prop_search_aria_update").text(result.content.length + " location results");section.removeClass("fmcty-section-waiting mrc-section-waiting").addClass("mrc-zip-complete");section.find(".fmcty-field-validation").remove();if (result.content.length > 0) {for (var i = 0; i < result.content.length; i++) {var autocomplete_item = result.content[i].full_address,autocomplete_id = "";autocomplete_results.append('

  • ' + autocomplete_item + '
  • ');}} else {autocomplete_results.append('

  • Sorry, no results found
  • ');}} else {section.removeClass("fmcty-section-waiting mrc-section-waiting").removeClass("mrc-zip-complete");prop_search.attr("aria-expanded", "false");section.find("#prop_search_aria_update").text("");prop_rupid.val("").trigger("change");section.find(".fmcty-ajax-result-description").remove();}$('body').on('click', '.fmcty-autocomplete-result', function (e) {e.preventDefault();var link = $(this);var prop_address = section.find('input[name="address"]');var prop_rupid = section.find('input[name="property_rupid"]');prop_rupid.val(link.data('rupid')).trigger('change');prop_address.val(link.data('address')).trigger('change');placeholder.val('');});$('[name="property_search_2"]').not('[type="hidden"]').on('keyup', function (e) {var input = $(this),section = input.closest('.fmcty-section'),placeholder = $('.fmcty-autocomplete-placeholder'),results = $('.fmcty-autocomplete-results a');if (results.length) {var selected_result = results.filter('.hover');if (e.which === 38 || e.which === 39 || e.which === 40) {var prop_rupid = section.find('input[name="property_rupid"]'),prop_zip = section.find('input[name="zip"]'),prop_state = section.find('input[name="property_state_2"]'),prop_city = section.find('input[name="property_city_2"]'),prop_address = section.find('input[name="address"]');switch (e.which) {case 38: if (selected_result.length && selected_result.parent().prev().children('a').length) {prop_rupid.val(selected_result.data('rupid')).trigger('change');prop_address.val(selected_result.data('address')).trigger('change');}placeholder.val('');break;case 39: input.val(result.content[0].full_address.toUpperCase()).trigger('change');prop_zip.val(result.content[0].zip).trigger('change');prop_city.val(result.content[0].city).trigger('change');prop_address.val(result.content[0].street_address).trigger('change');prop_state.val(result.content[0].state).trigger('change');prop_rupid.val(result.content[0].rupid).trigger('change');placeholder.val('');break;case 40: prop_address.val(selected_result.data('address')).trigger('change');prop_rupid.val(selected_result.data('rupid')).trigger('change');placeholder.val('');break;}}}});};calc_inline_afford.on('fmcty:next fmcty:prev',function(e,elem) {var slide = $(elem.section[0]);if ( slide.is('li[data-fmcty-section="start-calc"]') ) {$('.fmcty-progress-bar-wrapper.fmcty-progress-bar-active').css('opacity', '0');};if ( slide.is('li[data-fmcty-section="property-location"]') ) {$('.fmcty-progress-bar-wrapper.fmcty-progress-bar-active').css('opacity', '1');}if ( slide.is('li[data-fmcty-section="property-location"]') ) {Fmcty.fn.afford_calculate();}});Fmcty.fn.makeCalc = function() { Fmcty.fn.calc = new Affordability(); Fmcty.fn.afford_calculate();return Fmcty.fn.calc;};Fmcty.fn.afford_calculate = function() {var calc = Fmcty.fn.calc; if (!calc) return false; var values = Fmcty['calc_inline_afford'].values; var prop_value_field = $('#calc_inline_afford').find('input[name="property_value"]');calc.set('annualIncome', (values['calc_annual_income'] * 0.28)); calc.set('monthlyDebts', 0); calc.set('downPaymentPercent', 0); calc.set('loanTermInYears', 30); calc.set('propertyTaxRate', 1.2); calc.set('insuranceRate', 0.035); calc.set('fundingFeeRate', 2.3); calc.set('recommendedIncomeRatio', 1); calc.set('vaDisabled', false); calc.set('vaPreviousUse', false); calc.set('militaryStatus', 'regular'); calc.set('loanType', "p"); calc.set('interestRate', 7.125);var results = calc.calculate();var purchasePrice = calc.formatCurrency(Math.floor(results.purchasePrice), 0);$('#afford-result').html(purchasePrice);prop_value_field.val(Math.floor(results.purchasePrice)).trigger('change');};calc_inline_afford.on('fmcty:ready',function(e,data) {$('#house_animaton').css('opacity', '1');Fmcty.fn.makeCalc();});calc_inline_afford.formocity(window.calcInlineAffordConfig);});

    How is this page expert reviewed?

    At Veterans United, we're committed to providing only the most reliable and helpful information to our readers. Experts and editors rigorously assess each article to ensure its accuracy and relevance. By leveraging the latest data, including internal guidelines, homebuyer surveys, and insights from military advisors, our articles are designed to help you make informed decisions in an ever-changing market.

    Yes, VA Loans Can Be Used to Purchase Older Homes (2024)

    FAQs

    Yes, VA Loans Can Be Used to Purchase Older Homes? ›

    Contrary to popular belief, VA loans can be used to purchase older homes, provided they are intended for use as your primary residence and meet certain VA stipulated Minimum Property Requirements (MPRs). These MPRs are designed to ensure that the property is safe, sanitary, and structurally sound.

    Can you use a VA loan on a older home? ›

    There's a common misconception that VA buyers can only purchase newer homes with their VA home loan benefits. The truth is that you can use a VA loan to buy older homes; you'll just need to ensure the home meets VA requirements.

    What is the oldest house you can buy with a VA loan? ›

    No, the VA does not specifically reference what age a home can be for a VA loan. However, other factors must be considered when buying an older home.

    Which of the following statements about VA loans is false? ›

    Final answer:

    The incorrect statement about VA loans is that the VA never lends money, only guarantees it. The VA provides loan guarantees to qualified veterans and requires properties to be appraised, but it has historically provided direct financial assistance in certain contexts. So, the correct option is B.

    How many times can you use VA to buy a house? ›

    The Department of Veterans Affairs (VA) makes buying a home more affordable for Veterans, service members, and surviving spouses who qualify. Even better—you can use your VA loan entitlement again to refinance your current home or buy a new one. There are no limits on the number of times you can get a VA loan.

    Can I use a VA loan if I already have a house? ›

    Yes, you technically can use a VA loan for a second home.

    VA mortgages even come with specific occupancy requirements to help ensure that the homes they guarantee are inhabited for most of the year. Specifically, you'll have 60 days — in most cases — to move into your new property and start living in it full time.

    Can I use my VA loan to buy a house with my sister? ›

    The joint VA loan program allows Veterans and/or active-duty military members to use a joint borrower who is not a spouse or other Veteran. Most lenders won't allow these kinds of loans and will block veterans from buying a home with a sister, brother, mother, father, son, daughter, or someone who is unrelated.

    What is the minimum credit score for a VA home loan? ›

    The VA doesn't set a minimum credit score for VA loans at the program level. Instead, the VA relies on lenders to ensure borrowers are a satisfactory credit risk. VA lenders typically require a FICO score of at least 620. High loan amounts, such as those exceeding $1 million, may require a higher credit score.

    What property cannot be financed with a VA loan? ›

    Unacceptable uses. The VA wants veterans using this program for primary residences. You can't purchase or build a vacation home or a purely investment property with a VA loan. New construction is possible, but veterans can't simply purchase a plot of land with the intent to build a home some day.

    Can I sell my house after 1 year with VA loan? ›

    If you want to sell your house with a VA loan, there is no required amount of time that you have to wait. You are welcome to sell your house whenever you want, but it is generally a good idea to make sure you can make enough money from the sale to pay off the remaining balance of your mortgage.

    What can you not use a VA loan for? ›

    If you want to use a VA loan to purchase a home, that home must be your primary residence. This means that you and your family must intend to live in the home after purchasing it. VA loans will not cover investment properties or a vacation home.

    What are red flags for VA loan? ›

    Red flags include the presence of radon gas, asbestos or lead-based paint within the home, or properties located in a flood zone, near a sinkhole, or proximity to any type of environmental contamination.

    What is the problem with a VA loan? ›

    However, they also have drawbacks such as a required funding fee, property restrictions and potentially less equity to start. Alternatives to VA loans include conventional loans, FHA loans and USDA loans.

    Can a buyer have 2 VA loans? ›

    Getting a second VA loan on a different home is possible. It often happens when an active service member receives Permanent Change of Station orders. However, a VA-approved lender must approve you having multiple loans. Essentially, you'll need to show that you have the means to repay both loans at once.

    Can I get a VA loan if my father was in the military? ›

    The Bottom Line. Children cannot use their Veteran parent's VA loan benefits, but it's not impossible for a Veteran or their surviving spouse to assist their child through a joint VA loan. Doing so can be challenging, so it's best to contact a Veterans United VA loan expert at 573-876-2600 to discuss your options.

    How long do you have to wait to use the VA home loan again? ›

    With a VA loan, both short sale and foreclosure result in a loss of whatever entitlement you used to acquire the property. There is also typically a two-year waiting period before lenders will approve you for a new VA loan.

    Does a VA loan have to be a primary residence? ›

    The property you purchase with a VA loan must be a primary residence. Second homes and investment properties don't qualify for a VA home loan. And you must move into the new home within a reasonable time frame, typically within 60 days of closing on the house.

    Can you use a VA loan to buy and renovate a house? ›

    A VA rehab loan allows you to buy and renovate a house with one loan using your VA benefit. Many mortgage lenders offer VA loans, but not all offer VA renovation loans. You can only use a VA rehab loan to make safety and accessibility improvements to a primary residence, not cosmetic upgrades.

    What kind of house can I buy with a VA loan? ›

    The VA home loan can be used for:
    • Single-family homes. The single-family home is the bread-and-butter of the VA loan program. ...
    • Condominium unit in a VA-approved development. ...
    • New construction. ...
    • Manufactured homes. ...
    • Modular homes. ...
    • Multiunit property. ...
    • Farm residence. ...
    • Refinancing an existing VA loan.
    Nov 27, 2023

    How long do I have to wait to use my VA loan again? ›

    With a VA loan, both short sale and foreclosure result in a loss of whatever entitlement you used to acquire the property. There is also typically a two-year waiting period before lenders will approve you for a new VA loan.

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