See the link below for info on the Vendee...
We need to find you a home in good repair vs one that needs work.
There is the FHA 203k loans which allows for repairs, but these are much tougher to accomplish.
Is the property you were buying a foreclosure or can the seller do repairs?
Never do repairs on a house you don't own in hopes of getting a loan. Good way to loose money.
If you're not already working with a realtor, give me a call and we'll see if we can't get you moving in the right direction.
If the seller does not want to do it, then mnove on to another house with a local lender that is used to VA loans and the process.. One that can guide you through the hoops. I know youn don't want to hear that, but never go into a negotiation you are not ready to walk away from.
Also, GET AN AGENT WHO WORKS A LOT OF VA LOANS.
Best of luck
I have had deals fall through with my clients on the day of closing with big banks then my lender has been able to get them approved and closed in less than 3 weeks (that included having to order a new appraisal). What kind of repairs does the house need?
Keller Williams Realty