Avoiding Due on Sale with VA Loans

Contract for Deed not a Conveyance

Did you know the VA doesn't consider an installment sale contract to be a conveyance, meaning lenders can't call the note due? There should be no due on sale for a property bought/sold via contract for deed!

GET A SECOND OPINION, but our plain-language reading of the VA loan pamphlet indicates that selling on a Contract for Deed does not allow the lender to accelerate the loan!

Refer to the Opinion Letter issued in 1991 (pictured below) and VA Pamphlet 26-7, Chapter 5, Section 6.s. "Unrestricted Transfers" (free download).

And check this 1min video (in case it doesn't load below).

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