Can I use VA loan to buy a foreclosure house that needs roof replaced?

Hi!I'm a veteran myself and currently have two VA loans. About a year ago, me and my wife bought a builder foreclosure that was about 99% complete. It didn't have roof issues, but the house was not completely ready to occupy.VA is very protective of veterans purchasing homes - which is a good thing. VA will not allow for a veteran or service member to purchase a property that has any repairs. So the property acquistion may be a problem without having the repairs addressed upfront and prior to purchase.You should let the seller know that you are a Veteran seeking VA financing and that the roof will have to be addressed. I would also suggest (as it was in my case) that you negotiate both the "price" and the "repairs." That way you can get both. Even if the home is sold "as-is," if the bank gets the right price, they should at least "consider" repairing the roof.This will depend on who the bank is though....Do you know if this property is a Fannie Mae owned foreclosure or is it with a local bank. I would suggest talking with the Realtor and see what options you have regarding the repairs. If this is "the property" and the bank is unwilling to handle the repairs, then you may need to consider financing outside VA.I'm only licensed in MS and TN, where is this property located?For further communication, please feel free to contact me at dougc@fairwaymc.com or by phone 800-878-7985 ext. 105.

You could look at FHA 203K program! This is a rehab loan that will allow you to fix properties that are in distress. VA does not have a rehab program that I'm aware of so the seller would have to have roof and other repairs complete prior to funding. Thanks Jake O'Leary