VA Lenders Handbook (VA Pamphlet 26-7), Chapter 3, Topic 8 — Maturity

va-m26-7-ch03-t08

VA Lenders Handbook (VA Pamphlet 26-7), Chapter 3, Topic 8 — Maturity.

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Verbatim provisions from VA Lenders Handbook (VA Pamphlet 26-7), Chapter 3, Topic 8 — Maturity — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

VA Pamphlet 26-7, Chapter 3, Topic 8 — Maturity

Effective 2009-04-10 · publisher's stamp for this provision

Topic 8. Maturity Change Date: April 10, 2009 This section has been updated to correct hyperlinks and make minor grammatical edits. a. Maximum Maturity Amortized loans: 30 years and 32 days, Nonamortized loans: 5 years. In addition, every loan must be repayable within the estimated economic life of the property securing the loan. The period for repayment of a loan is measured from the date of the note or other evidence of indebtedness. b. Maturity Extending Beyond the Maximum VA regulations provide that any amounts, which fall due beyond the maximum maturity automatically, fall due on the maximum maturity date. Thus, if a lender inadvertently makes a loan that exceeds the maximum maturity, it may still be subject to guaranty. However, the regulations also limit the amount that can be collected as a final installment, such as, they prohibit excessive ballooning. The holder of a loan that violates this provision may desire to correct the situation through means which are legally proper in the jurisdiction.

Source: VA Pamphlet 26-7, Chapter 3, Topic 8 — Maturity · source URL · snapshot 89d35da51ce3778a

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