Yes, you may use your VA with either of these types of purchases. However, In order to be approved for a VA home loan, a property for sale must go through a VA appraisal. But not all properties are automatically eligible for a VA loan. I would be happy to go into detail with you more regarding the process. Please feel free to give me a call or if you would like to schedule an appointment with me, just let me know. I'm licensed in MS. & TN.