VA approves most home types, but some have stricter requirements. Manufactured homes have specific foundation rules.
VA requires at least 2 years of remaining roof life. Older roofs trigger appraiser callbacks.
VA requires a permanent heat source that can keep the home livable in cold months. Space heaters alone don't qualify.
Public water passes by default. Private wells need water-quality testing. Cisterns are case-by-case.
Pre-1978 homes get extra scrutiny. Chipped or peeling paint must be addressed before VA closing.
Foundation cracks, termite damage, or water damage can trigger required repairs before VA will fund.
VA requires year-round access. Private roads need a recorded maintenance agreement.
VA requires a working kitchen, working bathroom, and connected utilities for habitability.
A specialist personally reviews your property fit and reaches out within one business day.
A VA loan specialist will personally review your property fit and reach out within one business day.
A real specialist (not a call center) will email or call with an honest read on your property: which flags the appraiser is likely to raise, what the seller can fix, and whether escrow holdbacks make sense. No pressure, no spam.