Are VA loans assumable to non-military home buyers?

Yes they are as long as the buyer qualifies. It is not advisable though as the sellers VA eligibility will not be restored. Give me a call at 301-751-3305 to discuss further. I look forward to hearing from you soon!

Yes, or you make just take over the payments without qualifying, if the seller agrees.

Yes, as others said above. However, remember that ties up your VA entitlement for that loan which might prevent you from getting another VA loan. If you allow it, they have to apply through your current lender - make sure you get a release of liability as part of the process.

Yes, but I wouldn't advise it.. Your entitlement allows you to purchase a home with no money down, up to $417K. If you let someone assume your existing VA loan, then you might not be able to use VA for your next home since a portion of your entitlement will be tied up in the property that was assumed.. Also, if the assumed loan goes into default and eventually gets foreclosed, then the portion of your VA eligibility used to purchase that home cannot be restored unless you pay the loss suffered by the VA. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com