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Updated almost 9 years ago on . Most recent reply

Bryan O.'s profile image
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Bryan O.
  • Specialist
  • from Lakewood, CO
  • Member since Nov 2, 2014
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Bryan O.'s profile image
Bryan O.'s profile image
Bryan O.
  • Specialist
  • from Lakewood, CO
  • Member since Nov 2, 2014
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Bryan O.
  • Specialist
  • Lakewood, CO
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Innovative Strategies

VA Loan with Owner Second?

Bryan O.
  • Specialist
  • Lakewood, CO
Posted

Is it possible to use a VA loan and have the owner carry back a second? In my area housing prices have jumped a ton. Because I use my free cash to buy properties, I don't have a ton of money for a down payment. Can the owner cover that?

For example, the VA loan here goes to $458,850 but the property I want is $600k. Can I make a full $600k offer with the VA covering up to their max, and the owner holding a note for the remaining $141k?

Does that violate any strange VA rules? Or does it violate any underwriting guidelines? It seems like the only thing with more power than an underwriter is an appraiser!

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