In 1998 I bought an older home in Tennessee on more than 20 acres. I lived in the house until 2003 and then bought a doublewide through the same lender and put it on my land. I tried to refinance from a 30-year fixed to 15-year fixed this year and the lender would not do it because I’m living in the doublewide and not in the house. Can I get a VA approved loan? I did use the VA approved loan on active duty in 1985. I have never been late with a house payment, and my credit is around 785. I owe less than $1,000,000 on my mortgage and do not have a second mortgage. I too am a retired E-8 of 28 years.