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Updated 8 months ago on . Most recent reply

Michael Poloncic's profile image
Michael Poloncic's profile image
Michael Poloncic
  • Investor
  • from Utah
  • Member since Aug 18, 2021
  • Posts 53
  • Votes 20
  • Experience 4 Yrs
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Michael Poloncic's profile image
Michael Poloncic's profile image
Michael Poloncic
  • Investor
  • from Utah
  • Member since Aug 18, 2021
  • Posts 53
  • Votes 20
  • Experience 4 Yrs
  • Investments 3
Connect
Michael Poloncic
  • Investor
  • Utah
20
Votes |
53
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Creative Real Estate Financing

Subject-to with VA loan?

Michael Poloncic
  • Investor
  • Utah
Posted

Quick question BP community!

I have had trouble finding an answer to my question. Maybe you can help!

If a seller has a VA loan and you strike a subject-to deal with them, but the seller is looking to buy a new home using a VA loan would this situation pose an issue to the seller already having an existing VA loan?

Thank you!

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Eliott Elias
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  • from Austin, TX
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Eliott Elias's profile image
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Eliott Elias
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Eliott Elias
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Eliott Elias
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  • Austin, TX
Replied

They will be able to get another loan, as long as their total loan amount (sum of all VA loans taken) is under the threshold set by VA. Their DTI is offset 75% in the first year by your payments and they keep their entitlement.

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