# 38 C.F.R. § 36.4304 (2026): Deviations; changes of identity

> Federal · Regulations · In force

URL: https://www.frixlaw.com/law-library/statutes/CFR_T38_P36_S36_4304

## Section

- **Citation:** 38 C.F.R. § 36.4304 (2026)
- **Heading:** Deviations; changes of identity
- **Jurisdiction:** Federal
- **Kind:** Regulations
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** Title 38 CFR: Pensions, Bonuses, and Veterans' Relief / Chapter I: DEPARTMENT OF VETERANS AFFAIRS / Part 36: LOAN GUARANTY / Subpart B: Guaranty or Insurance of Loans to Veterans With Electronic Reporting / § 36.4304: § 36.4304   Deviations › changes of identity.

## Text

A deviation of more than 5 percent between the estimates upon which a certificate of commitment has been issued and the report of final payment of the proceeds of the loan, or a change in the identity of the property upon which the original appraisal was based, will invalidate the certificate of commitment unless such deviation or change be approved by the Secretary. Any deviation in excess of 5 percent or change in the identity of the property upon which the original appraisal was based must be supported by a new or supplemental appraisal of reasonable value: Provided, That substitution of materials of equal or better quality and value approved by the veteran and the designated appraiser shall not be deemed a “change in the identity of the property” within the purview of this section. A deviation not in excess of 5 percent will not require the prior approval of the Secretary.
(Authority: 38 U.S.C. 3703(c)(1))

## Nearby sections

- [38 C.F.R. § 36.4300 (2026) § 36.4300   Applicability and qualified mortgage status.](https://www.frixlaw.com/law-library/statutes/CFR_T38_P36_S36_4300.md)
- [38 C.F.R. § 36.4301 (2026) § 36.4301   Definitions.](https://www.frixlaw.com/law-library/statutes/CFR_T38_P36_S36_4301.md)
- [38 C.F.R. § 36.4302 (2026) § 36.4302   Computation of guaranties or insurance credits.](https://www.frixlaw.com/law-library/statutes/CFR_T38_P36_S36_4302.md)
- [38 C.F.R. § 36.4303 (2026) § 36.4303   Reporting requirements.](https://www.frixlaw.com/law-library/statutes/CFR_T38_P36_S36_4303.md)
- [38 C.F.R. § 36.4304 (2026) § 36.4304   Deviations; changes of identity.](https://www.frixlaw.com/law-library/statutes/CFR_T38_P36_S36_4304.md)
- [38 C.F.R. § 36.4305 (2026) § 36.4305   Partial disbursement.](https://www.frixlaw.com/law-library/statutes/CFR_T38_P36_S36_4305.md)
- [38 C.F.R. § 36.4306 (2026) § 36.4306   Refinancing of mortgage or other lien indebtedness.](https://www.frixlaw.com/law-library/statutes/CFR_T38_P36_S36_4306.md)
- [38 C.F.R. § 36.4307 (2026) § 36.4307   Interest rate reduction refinancing loan.](https://www.frixlaw.com/law-library/statutes/CFR_T38_P36_S36_4307.md)
- [38 C.F.R. § 36.4308 (2026) § 36.4308   Joint loans.](https://www.frixlaw.com/law-library/statutes/CFR_T38_P36_S36_4308.md)
- [38 C.F.R. § 36.4309 (2026) § 36.4309   Transfer of title by borrower or maturity by demand or acceleration.](https://www.frixlaw.com/law-library/statutes/CFR_T38_P36_S36_4309.md)
- [38 C.F.R. § 36.4310 (2026) § 36.4310   Amortization.](https://www.frixlaw.com/law-library/statutes/CFR_T38_P36_S36_4310.md)
- [38 C.F.R. § 36.4311 (2026) § 36.4311   Prepayment.](https://www.frixlaw.com/law-library/statutes/CFR_T38_P36_S36_4311.md)
- [38 C.F.R. § 36.4312 (2026) § 36.4312   Interest rates.](https://www.frixlaw.com/law-library/statutes/CFR_T38_P36_S36_4312.md)
- [38 C.F.R. § 36.4313 (2026) § 36.4313   Charges and fees.](https://www.frixlaw.com/law-library/statutes/CFR_T38_P36_S36_4313.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/CFR_T38_P36_S36_4304. Check the current official text before relying on it. Not legal advice.