I did have a client that found their dream home only to be disappointed when the VA Appraiser said the roof needed to be replaced (although a licensed roofing contract certified the roof for 4 years remaining life). The Seller was not in a position to install a new roof before closing and the VA ABSOLUTELY would not allow the roof to be put on "after" closing.
Also as a VA buyer we have the Military Heroes money from the State of Florida that may be able to give you up to $7,500 to be used towards your downpayment and closing costs. Take a look, you do not have to be a first time homebuyer if you're getting a VA mortgage:
So, you may not want to waste time looking at homes with older roofs. We tried everything to work out the roof issue but ultimately my client lost his money spent on an appraisal (about $400) and did not get the great house.
All the best,
Alma Rose Kee, PA
Homes do not need to be VA Approved; only Condominiums. So, for your search for a Single Family Home you only need to find a great local Realtor who is experienced working with and negotiating on behalf of Veterans and SHOP 'til You DROP!
I say "experienced" because many home Sellers are reluctant to consider Veteran Offers to Purchase with VA financing due to unreasonable and false notions of the loan process. There's a notion that VA financing is a nightmare and too many Realtors and Sellers believe this myth. So you definitely want to work with someone who can properly communicate with other Realtors and Homeowners how the process works and dispel any myths about the process, too.