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If you have a CalVet Loan and are planning to obtain a second mortgage or make
significant improvements to your property, you will need to complete our
Consent to Encumber form. Download the form, fill it out and fax (or mail) it to us following the directions
on the form. (This form is in Adobe Acrobat (.pdf) format. To read and print it you must have the Adobe Acrobat
Reader which may be downloaded from Adobe
here.)
Second mortgages include:
- Second Trust Deeds
- Home Equity Loans
- Home Equity Lines of Credit
If requesting approval for a second mortgage, you will need to have your lender fill in
some of the requested information.
Included in significant improvements are any new constructions which are permanant and
affixed to the buildings or grounds, such as:
- In-ground swimming pools
- Room additions
- Decks and patios
Not included are:
- Repairs to existing buildings, such as a new roof
- Structures not permanently affixed to the property, such as most above-ground swimming pools
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