VA Mortgage, can we include the costs for building a stable?

If the stable were already built, you can buy the home using VA financing. If you want funds to build the stable after the home is purchased you would need a completley separate loan for that. The VA will not provide additional funds at closing to build a stable later.

Tricky question.. I'm pretty sure with VA loans you cannot include rehab or remodel costs into the loan, so if the property doesn't already have the stable, you cannot include it into your loan. You would need to purchase a home that already has that on the property. WilliamAcres.com

Hello, Dolly. Sorry I couldn't resist. :) Until last month, we were able to do renovation loans with VA guaranteed loans, however, the VA has a time limitation on the delivery of loans to Ginnie Mae. They are not allowing us enough time to do renovations and get the loan delivered. You will probably have to have it built and then refinance to re-imburse your self. In Texas, you need to research the cash out guidelines before you move forward. I believe you are only able to refinance with cash out 1 time for as long as you own your home.

A VA loan would not allow for an escrow or improvements that I am aware of. Your best best is to find a home with stables existing. You would need to make sure the property is not currently being used as an income producing property as most lenders will not allow that. If the property currently has an agriculture exemption that could become problematic as well.

VA will not allow this however, check with the seller, sometimes the seller can make contributions towards the sale that includes the stable along with the sale price.