Practice Test Geeks(MRP) Military Relocation Professional Practice Test
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Military Benefits & Housing Programs Flashcards

7 cards from real MRP practice questions. Tap to flip, then mark Knew It or Still Learning — missed cards come back until you master them.

Read the first 7 Military Benefits & Housing Programs flashcards as text

  1. A veteran has used their entire basic VA loan entitlement on an existing mortgage they still hold. What option allows them to purchase a second home using VA benefits?

    Answer: They may use remaining 'bonus entitlement' if the new loan amount is high enough and they meet other requirements

    Bonus (second-tier) entitlement allows veterans who still hold a VA loan to purchase a second property using the unused portion of their maximum guaranty amount.

  2. What is 'bonus entitlement' (also called second-tier entitlement) in the VA loan program?

    Answer: Additional VA guaranty capacity available when basic entitlement has already been used on an active loan

    Bonus entitlement is the difference between the county loan limit (25%) and the basic entitlement ($36,000), allowing eligible veterans to carry two VA loans simultaneously.

  3. A military relocating professional's client receives PCS orders with a report date six months out. When is the ideal time to begin the VA loan pre-approval process for housing at the new duty station?

    Answer: 90 to 120 days before the report date to allow adequate time for processing and house hunting

    Starting 90–120 days out gives time for COE requests, pre-approval, house hunting trips, VA appraisal, and closing without rushing—especially critical in tight markets.

  4. What is 'BAH II' and in what situation is it typically paid?

    Answer: A reserve/reduced BAH rate paid when a member is not eligible for the full location-based BAH

    BAH II is a flat, national rate paid to members in situations such as living in government quarters, certain reserve scenarios, or specific duty statuses that don't qualify for location-based BAH.

  5. A veteran with a severe service-connected disability needs minor home modifications rather than full adaptive construction. Which VA grant is designed for smaller-scale adaptations?

    Answer: The Special Housing Adaptation (SHA) grant

    The SHA grant covers smaller adaptations (e.g., widened doorways, grab bars) for veterans with qualifying disabilities, while the SAH grant funds larger adaptive construction.

  6. A veteran previously defaulted on a VA loan and the VA paid a claim to the lender. How does this affect their ability to purchase a new home using a VA loan?

    Answer: A down payment equal to 25% of the loan amount above remaining entitlement may be required

    If the defaulted loan caused a VA loss and entitlement was not restored, the veteran may still borrow but must cover 25% of the portion exceeding any remaining entitlement.

  7. How must a service member invoke the SCRA 6% interest rate cap on a pre-service debt?

    Answer: The service member must submit a written request and a copy of orders to the lender

    SCRA requires the service member (or a designee) to send the creditor a written request and a copy of military orders; the cap applies retroactively to the date active duty began.