Forces Help to Buy (FHTB) isn't just a loan; it's a specific policy with strict residency requirements that can conflict with the unpredictable nature of service life in 2026. The most critical legal hurdle is the 12-month occupancy rule, which mandates that the property must be your primary residence for at least a year. If you're posted away or deployed shortly after completion, you face a complex legal intersection between JSP 464 regulations and your mortgage lender's ter