Metro 2 Account Type Code 25: VA Real-Estate Mortgage

Specification

Code	25
Meaning	VA Real-Estate Mortgage
Field	Account Type (Field 15)
Record	Base Segment
Length / position	2 chars · 84–85
Category	Government Obligations
CRRG reference	CRRG Exhibits 1 & 2 (Account Type Codes)

The VA guaranty is the distinguishing fact, and it is a guaranty rather than an insurance policy, which is a real difference from the FHA programme.
A mortgage account type carrying the K3 segment, sitting in the mortgage view of the consumer file.
Does NOT cover a conventional mortgage to a veteran borrower. Eligibility is not the same as programme participation.
Does NOT cover an FHA or USDA loan. Those are 19 and 2C, and the programme distinction matters to entitlement calculations on future VA loans.
VA loans are assumable under conditions, and an assumption typically means the assuming borrower's tradeline replaces the original borrower's rather than both continuing. The programme is also read directly off the file when a veteran applies for a new VA loan, because entitlement already committed to an outstanding VA mortgage reduces what remains available, so misclassifying a VA loan as conventional has a concrete downstream cost to the consumer.

1A mortgage servicer reports a 30-year VA-guaranteed purchase loan with no down payment.
2A lender reports a VA interest rate reduction refinance as a new tradeline while the prior loan reports paid.
3A servicer reports a VA loan in a loss-mitigation plan, or one that ended in a compromise sale, carrying the outcome in Account Status and Special Comment while Account Type stays 25.
4A servicer reports a VA loan following a qualified assumption, closing the original borrower's tradeline and opening the assumer's.
5A servicer boarding acquired VA servicing reports each loan under 25 rather than defaulting to 08 because the programme flag did not come across cleanly.

Populate the K3 segment with the correct mortgage type and property indicator.
Do not classify a VA loan as conventional. The programme affects the veteran's remaining entitlement and is read directly off the file.
On an assumption, close the original borrower's tradeline correctly rather than leaving two live tradelines on one loan.
Keep Account Type 25 through foreclosure and any deficiency reporting. Changing the code mid-life makes one loan look like two obligations.
When servicing transfers, both servicers must report the same account type so the loan does not appear to change products, and the transferring servicer closes its tradeline with a zero balance rather than dropping it from the file.

A file can be structurally valid and still be wrong. These are the cross-field conditions Account Type Code 25 has to satisfy.

Portfolio Type must be M (Mortgage), the portfolio type that brings the K3 segment into play with mortgage identification number, mortgage type, and property indicator.
Portfolio Type M requires Scheduled Monthly Payment Amount and a numeric Terms Duration in months, typically 360.
Credit Limit must be zero-filled.
Highest Credit / Original Loan Amount carries the original principal, including any financed funding fee, and stays fixed.
Terms Frequency is normally M, with B valid on biweekly programmes.
Date of First Delinquency must be present on any delinquent VA tradeline and must survive a modification or forbearance unchanged.
A co-borrowing spouse is carried in ECOA with a J1 or J2 segment.