Sorry he isn't selling.In the past, it has always been customary for the Realtor or an investor buyer where a Realtor is not involved, to simply disclose that "your entitlements under VA will remain with that loan until it is paid to the extent of the balance" and the rest is up to the seller to figure out because they can be different for each service member.As I said, been awhile, but I don't think any of this has changed.

Avoid disclosing paid-off status and handle utilities and shared expenses.

I have a quick question for you all: Should you disclose a locked thermostat to guests?

JUST DON'T BS ANYONE (EVEN IF A AGENT WASN'T INVOLVED)IVE NOTICE A LOT OF WHOLESALERS WHO FAIL AND/OR HAVE DEALS FALL THROUGH DON'T DISCLOSE EVERYTHING UP FRONT WHICH LEADS TO A SERIES OF "SURPRISES" FOR BOTH THEIR BUYER AND THE SELLER.. 

The sellers did not disclose that there was a previous fire in the home.

most of them disclose the 50 ways you can lose your money.. ? 

Do we have to disclose this to the lender, either at the time we convert to a rental or even up front when we apply for the HELOC?

Quote from @Steve Sayler: The cancellation fee is fully disclosed, so you are obligated to pay it.However, you are firing them for failing to uphold their end of the agreement, therefore the contract should be voidable at your option.

It looked it was for someone else's loan There were also fees that I saw disclosed for the first time.They have a link for requests for refunds/customer services.

If there is an existing mortgage in your name it should be disclosed that your name will stay on the loan for possibly a very long time.