Is this home approved under the VA home loan program?

Asked by sanchezkd, High Point, NC Tue Jan 17, 2012

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Larry Story, Agent, Greensboro, NC
Tue Jan 17, 2012

Scott and Ron are correct. The buyer is approved first. Then they will go out and the VA appraiser will evaluate the home. unfortunately there is no home attached to your question so it is hard to see why you are asking. The VA is pretty strict about the home being habitable (you can move in and live there) when you buy. For example no broken windows, plumbing must be working, must have an oven/range that works and the Heat works. Now if the home needs quite a bit of work you could always look at doing a FHA 203K loan where you can get extra funds for repairs.

So the best bet is as Ron states speak to a lender and if looking for a VA or whether a FHA 203K loan.

Hope this helps,
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Ron Thomas, Agent, Fresno, CA
Tue Jan 17, 2012
Primarily, it is the VETERAN that gets approved.
The houses do not get Pre-Approved like they do for FHA.
Once you get your Certificate of Eligibity, you will find a house you like and make an Offer.
Then you will get a Lender-Approved, VA Approved Inspector to evaluate the property: The Inspector will find things and either those things are acceptable to the VA Guideleines, or they will not.
Most of the things that are unacceptable, are unaccesptable to FHA also; Health and Safty issues.
Go into your VA Office and talk to them; they are there to help you; they will have a brochure on what is acceptable and what is not. (You might find it on-line too at

thanks for serving

Good luck and may God bless
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Scott Godzyk, Agent, Manchester, NH
Tue Jan 17, 2012
If you have your VA certificate, teh VA guidelines for a homes condition are very close to FHA rules. You can easily get a list from yoru loan officer or simply ask your agent or the listing agent. if you are seeing an ad here On trulia, go back to it, click on teh profile of the listing agent and simply contact them directly.
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