Buying a house while in the MEB/PEB

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Sailor90

PEB Forum Regular Member
Registered Member
I am in the process of building a house. We were pre-approved for the VA loan in December last year, and construction will be starting this month. I only learned that you cannot get the VA loan if you are within 12 months of ETS, unless you have a solid, verifiable job offer. However, the Navy keeps extending me 6 months at a time which means my LES will never show anything beyond that timeframe. The truth is that the VA home loan does not address us in IDES who have no control over the process. Navy Fed denied me because they said I needed a job letter or at least 12 months left on contract. We feel betrayed by this process in so many different ways. Any advice, based on experience would be highly appreciated.
 
I was in a similar situation. I had my squadron's executive officer (I'm not sure what it is in the navy, your unit commander's secretary) write a memo explaining the situation: that even though it looked like on paper I was going to be out of the military in 10 months, I will actually continue to be active duty for at least another 24 months. The executive officer signed it, not my unit commander, and it worked just fine. The lenders just need to cover their ass to check all the boxes, as long as they have something in writing "confirming" (however loose you want that term to be) that you'll meet the 12 month requirement, then it's fine.
 
TallTree said:
I was in a similar situation. I had my squadron's executive officer (I'm not sure what it is in the navy, your unit commander's secretary) write a memo explaining the situation: that even though it looked like on paper I was going to be out of the military in 10 months, I will actually continue to be active duty for at least another 24 months. The executive officer signed it, not my unit commander, and it worked just fine. The lenders just need to cover their ass to check all the boxes, as long as they have something in writing "confirming" (however loose you want that term to be) that you'll meet the 12 month requirement, then it's fine.
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Hello TallTree, thank you very much. How far along were you in the MEB? I know sometimes they try to work with the Member to prevent any financial hardship to the Member. I provided the lender I am using the LIMDU paperwork that says something along the line:
REQUEST EAS DATE HELD IN ABEYANCE INDEFINITELY (9999) PENDING
COMPLETION OF THE MEDICAL BOARD PROCESS.
3. LIMITATIONS INCLUDE: NO CLIMBING LADDERS, NO COMBAT DUTY, NO DEPLOYMENT OR
OVERSEA DUTY, NO FIELD DUTY, NO SHIPBOARD DUTY, NO PT CARE, NO DRIVING OF
MILITARY VEHICLES, NO OPERATING HEAVY MACHINERY, NONE.
4. NOTIFY THIS COMMAND IMMEDIATELY IF SERVICE MEMBER HAS ANY LEGAL
OR ADMIN SEPARATION PROCEEDINGS. NEGATIVE REPLY IS NOT REQUIRED.
5. PER REF (B), EACH COMMAND IS REQUIRED TO HAVE A LIMITED DUTY
COORDINATOR IN WRITING. REQUEST COMMAND PROVIDE LIMITED DUTY POINT
OF CONTACT TO INCLUDE NAME, TELEPHONE NUMBER, FAX NUMBER AND
ELECTRONIC MAIL ADDRESS TO LIMITED DUTY COORDINATOR:

Hopefully, someone from work can help me come up with a letter by the time I close. I hope I will get my proposed ratings by then also.
 
I actually was not in the MEB process yet, it was simply within 10 months of the end of my officer commitment from pilot training. For AF officers we don’t have to reup or anything, we just become free agents. So they needed something to “prove” I would still have income for 12 months. I’ll find the memo and redact some info and post it here sometime this week so you have a template to work with. It was literally just a bro move by my buddy who was the exec.
 
Statement of Service.png
 
@TallTree, Major, that helps. I gave the lender the same document. Where discharge date is they put “Indefinite pending MEB/PEB
 
No, my LES shows nothing like that. My realtor said the system they use to confirm I'm active duty includes an expected separation date, which is just the end of my commitment.
 
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