VA Mortgage Loan Property Requirements

VA Mortgage Loan Property Requirements

Obtaining a VA Mortgage Loan is certainly something that is great to get and also a privilege. The VA does have quite a few hoops to jump through in order get the ball rolling. One of the things that is vitally important is the property must meet strict requirements.

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We also found a great article that talked about VA loans and discussed the requirements for properties in order to qualify for a loan:  Here is an excerpt from that article:

VA Minimum Property Requirements

Marketable Real Estate

A single dwelling (which can comprise a multi-family property with up to four units), that is found to be residential real estate and in habitable condition is necessary.

Space and Construction Requirements

The property is ideal for you and other residents to live, sleep, cook, and eat on a daily basis. There must also be sanitary facilities.


The house must be accessible at all times, whether by car or by foot. Either a public or private road provides access.


Fences, garages, and other constructions that cross the property line are examples of encroachments.

Drainage and Topography

The drainage rules are exactly what you’d anticipate. Sewage and surface water must flow swiftly and efficiently off your property. On your land, water cannot collect and form ponds.

Geological or Soil Instability, Subsidence, and Sinkholes

These concerns stem from the geological threats provided by your location. The only thing worse than your inspector finding them is not finding them at all.

Special Flood Hazard Area

You won’t be able to get a VA loan if you want to buy a home or land that floods frequently. Some limits apply even in high-risk zones.

Non-Residential Use

The minimal ownership requirements for Veterans’ Affairs do not prevent you from purchasing a property with non-residential structures. Certain restrictions apply, and the property must be purchased largely for residential purposes.