Question about VA loans

Below, you will find the minimum property requirements for VA financing. When you are purchasing a home using VA, an appraiser will inspect the property not only to determine the value, but also to check for minimum property requirements. When it is deemed that the minimum property requirements are not met, you'll have the ability to negotiate with the seller to make the necessary repairs OR terminate your contract. Upon completion of the repairs (assuming this is what's agreed upon), the appraiser will RE-inspect to verify that the work has been completed.https://www.benefits.va.gov/WARMS/docs/admin26/m26-07/Ch12_Minimum_Property_Requirement_NEW.pdf

Morgan - the foundation is likely Ok ...the railings will likely need to be repaired / installed ....work with the seller ...get appraisal done and see what the appraiser calls out

People, and especially Real Estate Agents, overly freak out about possible required repairs when the buyer is using a government back loan to buy the house, like an FHA, VA, or USDA loan. Unless the house is a serious fixer-upper, if the appraiser does call anything, it is usually minor, and the seller can and will easily fix it. The railing will probably be called as that is a safety issue, the foundation is unlikely to be called. The only way you know 100% is to buy the house and get the appraisal done. I love VA loan, and again, more often than not, it isn't a big deal. I lend in MN, WI, IA, ND, SD, including for VA loans. Find me at VAMortgageMN.com Cambria Mortgage, NMLS 274132