RESOURCES FOR VETERANS

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Requirements To Get a

VA Loan

You may qualify for a VA loan by meeting one or more of the following requirements:

  • You served 90 consecutive days of active service during wartime.


  • You served 181 days of active service during peacetime.


  • You have 6 years of service in the National Guard or Reserves, or served 90 days (at least 30 of them consecutively) under Title 32 orders.


  • You are the spouse of a service member who died while serving or died from a service-related disability.
Explore Your Loan Officer Options

Minimum Property Requirements

The appraiser is going to determine whether the subject property meets the VA minimum property requirements established to ensure the home is safe, sanitary, and structurally sound. You can find a full list of Minimum Property Requirements (MPRs) in Chapter 12 of the VA Lenders Handbook, but here are 10 to keep in mind for your next VA loan transaction:

1) Entity:
Ensures the property is a single structure that is
ready to be placed on the market.


2) Nonresidential Use:

VA Loans are intended to help the buyer purchase
a primary residence. Though in some cases,
buyers are allowed to buy a home with 25 percent
or less of the floor space designated as business
or nonresidential space. But keep in mind that not
all lenders will provide this type of financing


3) Electricity:

The property must have working electricity.


4) Mechanical Systems:

The property’s heating, cooling and other
mechanical systems must be in safe, working
condition, and likely to remain in such condition.


5) Heating:

VA appraisers consider this category superior
to the mechanical systems category. With multiple
heating systems there are also multiple
requirements. Homes with solar heating systems
or wood-burning stoves used as the primary
source of heat also need a back-up heat source.
Properties located in warmer climates may not
require such systems.

6) Space Requirements:

The property must have adequate space for the buyer and their families to live, sleep, cook, and eat. It must also have the proper sanitary facilities
for such activities.


7) Water Supply and Sanitary Facilities:

The VA requires buyers to live somewhere with
hot water, as well as continually safe and potable
drinking water. The property also needs to have
an acceptable and sanitary sewage system in
place. If the property is on a private well, a well
test will be required.


8) Crawl Space:

If the property has a crawl space, the space must
be accessible and free of debris. Any excessive
moisture must be treated.


9) Ventilation:

When referring to crawl spaces and attics the
property must have proper ventilation in these
areas. With ventilation you will avoid problems
with moisture and related problems such as mold
that could cause unsafe health conditions.


10) Roof Covering:

The roof must be leak proof, in good shape and free of defects.

Keep in mind, this list isn’t exhaustive, there are additional minimum property requirements outlined by the VA,
these are just the most common. If buyers are interested in a home that has a MPR issue, they have a few options: they can look for a different property, negotiate for the seller to cover the cost of repairs, or if they have the funds, they may be able to cover the cost of repairs themselves, but they should talk with their loan officer about this option first.

View 10 MPRs as PDF

MANUFACTURED HOMES CHECKLIST

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View Manufactured Home Checklist as PDF

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