The Department of Veterans Affairs requires that you certify your intent to occupy the home financed with a VA loan.
The VA guidelines specifically require a veteran obtaining a VA guaranteed home loan to certify in writing that they intend to personally occupy the property as their home. On the date of the certification, the veteran must either (1) personally live in the physical property as their home, or (2) intend, upon completion of the home loan and acquisition, to personally move into the property and use it as their home within 60 days after the loan closing (this is considered reasonable).
The above VA requirement applies to all types of VA guaranteed home loans except for Interest Rate Reduction Refinancing Loans (IRRRLs). For these Interest Rate Reduction Loans, the veteran only needs to certify that they previously occupied the property as their home.
