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Author : United States. n.d.ss. House. Veterans' Affairs Committee
Publisher : Unknown
Page : 376 pages
File Size : 44,7 Mb
Release : 1957
Category : Electronic
ISBN : STANFORD:36105045628265
Author : United States. Congress. House. Veterans' Affairs Committee
Publisher : Unknown
Page : 48 pages
File Size : 55,8 Mb
Release : 1967
Category : Electronic
ISBN : STANFORD:36105045628281
Author : United States. Congress. House. Committee on Veterans' Affairs
Publisher : Unknown
Page : 376 pages
File Size : 46,8 Mb
Release : 1957
Category : Mortgages
ISBN : LOC:00187007434
Author : United States. Congress. House. Veterans' Affairs Committee
Publisher : Unknown
Page : 164 pages
File Size : 42,6 Mb
Release : 1956
Category : Electronic
ISBN : STANFORD:36105045628364
Author : United States. Congress. House. Committee on Veterans' Affairs. Subcommittee on Housing
Publisher : Unknown
Page : 54 pages
File Size : 49,5 Mb
Release : 1967
Category : Veterans
ISBN : LOC:00186994838
Considers. H.R. 253, to permit release from liability to U.S. those veterans who sold property obtained under VA loan without receiving a release from liability. H.R. 7822, to levy penalties on persons who obtain property financed with VA mortgage and intend to defraud the government.
Author : Libby Perl
Publisher : Createspace Independent Pub
Page : 46 pages
File Size : 46,7 Mb
Release : 2013-02-12
Category : History
ISBN : 1482528045
The Department of Veterans Affairs (VA) has assisted veterans with homeownership since 1944, when Congress enacted the loan guaranty program to help veterans returning from World War II purchase homes. The loan guaranty program assists veterans by insuring mortgages made by private lenders, and is available for the purchase or construction of homes as well as to refinance existing loans. The loan guaranty has expanded over the years so that it is available to (1) all veterans who fulfill specific duration of service requirements or who were released from active duty due to service-connected disabilities, (2) members of the reserves who completed at least six years of service, and (3) spouses of veterans who died in action, of service-connected disabilities, or who died while receiving (or were entitled to receive) benefits for certain service-connected disabilities. Under the loan guaranty, the VA agrees to reimburse lenders for a portion of losses if borrowers default. Unlike insurance provided through the Federal Housing Administration (FHA) insurance program, the VA does not insure 100% of the loan, and instead the percentage of the loan that is guaranteed is based on the principal balance of the loan. Veterans who enter into VA-guaranteed loans must pay an up-front fee based on a number of factors that include the type of loan entered into (for example, purchase or refinance), whether service was active duty or in the reserves, whether the loan is the first or subsequent VA loan a borrower has entered into, and the amount of down payment. Borrowers are not required to make a down payment for a VA-guaranteed loan, but the up-front fee is reduced if there is a down payment of 5% or more. Most borrowers (88% in FY2011) do not make a down payment. In addition to guaranteeing loans from private lenders, the VA also makes direct loans to borrowers in certain circumstances. The original VA direct loan, which was targeted to veterans in rural areas, is now available only to veterans or service members with certain service-connected disabilities. Another direct loan program, originally enacted as a demonstration program in 1992, serves Native American veterans, including veterans living in American Samoa, Guam, and the Commonwealth of the Northern Mariana Islands. In addition, the VA may enter into direct loans in cases where a borrower is delinquent or defaults on a VA-guaranteed loan. The VA may either acquire a loan from a lender and continue servicing itself (called “acquired loans”) or, in cases of foreclosure, the VA may purchase the property and resell it. In these cases, the VA may enter into a loan with a purchaser whether he or she is a veteran or not (called “vendee loans”). A third way in which the VA provides housing assistance to both veterans and active duty Service members is through the Specially Adapted Housing (SAH) Program. Through the SAH program, veterans with certain service-connected disabilities may obtain grants from the VA to purchase or remodel homes to fit their needs. The amount of a grant depends on the disability, and in some cases grants can be used to modify the homes of family members with whom veterans or service members are staying. This report discusses these three types of housing assistance—the loan guaranty program, direct loan programs, and Specially Adapted Housing program—their origins, how they operate, and how they are funded. The report also has a section that discusses the default and foreclosure of VA-guaranteed loans.
Author : United States. Congress. House. Veterans' Affairs Committee
Publisher : Unknown
Page : 72 pages
File Size : 53,9 Mb
Release : 1971
Category : Electronic
ISBN : STANFORD:36105045628299
Author : United States. Congress. House. Committee on Veterans' Affairs
Publisher : Unknown
Page : 84 pages
File Size : 48,7 Mb
Release : 1953
Category : Mortgages
ISBN : LOC:00123577115
Author : United States. Congress. House. Committee on Veterans' Affairs
Publisher : Unknown
Page : 138 pages
File Size : 51,7 Mb
Release : 1956
Category : Mortgage guarantee insurance
ISBN : STANFORD:36105045628240
Author : United States. Congress. House. Committee on Veterans' Affairs
Publisher : Unknown
Page : 160 pages
File Size : 46,5 Mb
Release : 1956
Category : Veterans
ISBN : SRLF:A0000430330
Author : United States. Congress. House. Committee on Veterans' Affairs. Subcommittee on Housing
Publisher : Unknown
Page : 78 pages
File Size : 50,9 Mb
Release : 1971
Category : Veterans
ISBN : LOC:00183964811
Author : United States. Congress. House. Committee on Veterans' Affairs,United States. Congress. House. Committee on Veterans' Affairs. Subcommittee on Housing
Publisher : Unknown
Page : 340 pages
File Size : 47,5 Mb
Release : 1953
Category : Interest
ISBN : LOC:00187005267
Author : United States. Congress. Senate. Committee on Veterans' Affairs
Publisher : Unknown
Page : 102 pages
File Size : 50,6 Mb
Release : 1971
Category : Electronic
ISBN : STANFORD:36105110733495
Author : United States. Congress. House. Committee on Veterans' Affairs
Publisher : Unknown
Page : 32 pages
File Size : 47,6 Mb
Release : 1957
Category : Housing
ISBN : SRLF:A0000673343
Author : United States. Congress. House. Committee on Veterans' Affairs. Subcommittee on Housing and Memorial Affairs
Publisher : Unknown
Page : 130 pages
File Size : 40,6 Mb
Release : 1993
Category : Business & Economics
ISBN : STANFORD:36105126755870