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When President Obama signed into law the Veterans' Benefits Improvement Act of 2008, important changes were make to the VA Loan Guarantee Program which broadened benefits for those both seeking VA home loans and military loan holders seeking a home refinance. This article details some of the Federal changes made by passage of this 2008 act.

VA Home Loans and Adjustable Rate Mortgages

Based upon previously-passed Federal law, the VA Loan Guarantee Program had the authority to not only guarantee a standard military loan, but adjustable rate mortgages and hybrid adjustable rate mortgages as well. However, this authority was scheduled to expire in 2008, and there was some concern that, because of Federal fiscal restraints as well as political maneuverings within Congress, the VA Loan Guarantee Program might not be renewed on time.

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