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This bill amends the VA housing loan program to align it with Federal Housing Administration standards and reduce borrowing barriers for veterans. Key changes include prohibiting third-party verification of lender fees, allowing appraisal waivers for refinancing, lowering the minimum interest rate floor for adjustable-rate mortgages, expanding condo loan eligibility, capping closing costs at 1.5% and seller fees at 6%, requiring biennial review of debt-to-income ratios, and relaxing appraiser certification requirements. The bill also directs the VA to review property suitability standards and submit a plan to modernize its housing loan IT systems.
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