Like the other government-backed loans, VA home loans have occupancy requirements that help keep the program’s focus on primary residences.
Service members who secure a VA purchase loan have to certify that they intend to personally occupy the property as their primary residence. VA borrowers usually have a 60-day window after completing the loan process to move into the house. Requirements can differ on VA refinance loans.
Some homebuyers find that two months isn’t enough time. The VA does allow buyers in certain situations to go beyond that 60-day mark, although occupancy delayed more than a year is generally unacceptable.