Summary: We live separately in Colorado and are both planning on moving back to Texas. I would be moving back 4 months before him. He wants to purchase a house in Texas for me to have a place to live immediately upon moving back. When he moves back 4 months later, he would move into the house, and I would live there until I buy a house of my own. Is this possible? He is on a VA loan.
If you’re paying cash, you can do what you want. If financing, are you going to be on the loan too? If so, you can treat it as owner-occupied, and he would be a non-occupant co-borrower. If you’re not on the loan, he must occupy within 60 days or it’ll be considered non-owner occupied, subject to worse rates.
Okay, so he could potentially just move in sooner than 4 months and it will be okay?
60 days usually.