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Where Can I Buy A Home With the VA Loan?

The VA Loan is a mortgage option available to military service members, Veterans, retirees, and some family members. It allows them to purchase a home without a down payment while still getting a great rate and approval based on their credit.

Where Can I Buy A Home With The Va Loan

There are a few restrictions on the type of home that you can purchase with a VA Loan, but are there requirements for location?

The short answer is no. You can use a VA Loan on any home purchase as long as you qualify. Unlike some other mortgage options, such as the USDA Loan, there is no requirement for a specific location when using the VA Loan.

You will need to occupy the home as your primary residence, however. There are also requirements for basic habitability features, including working electricity and plumbing, required appliances, and drywall. The VA Loan is designed to lead to home ownership rather than investments. There are some options for buying a property that needs some work, but in general, it is best used to buy a home that you plan to move into right away.

The VA Loan can be used to purchase land as long as you plan to build on it and that is included in the offer and contract. You can purchase a farm or other agricultural property with a VA Loan. Just make sure that your purchase includes a home for you to live on at the farm. Some locations have more options available for rural living, while others are more suited to city or suburban homes. This all depends on the real estate market and not the VA Loan itself.

To use a VA Loan, you will need to work with a lender who can conduct mortgage transactions in your area and who will work with a VA Loan. Most lenders are familiar with and like the VA Loan because it is guaranteed by the Department of Veterans Affairs. It is a good idea to verify before you get too far into the home search process, however.

With over a decade of experience in mortgage financing, Kory Small has been writing articles since opening his mortgage brokerage in January 2021. Originally from Louisiana, Kory has called Houston home for 24 years and serves Houston and the surrounding areas. With a knack for simplifying difficult concepts, Kory focuses on making the mortgage process simple and efficient. Known for clear communication and top-tier service, he works closely with clients and real estate agents to ensure smooth transactions – whether FHA, VA, Conventional, USDA, Jumbo, Non-QM loans (bank statements, DSCR, asset-based, fix-and-flip) or multiple down payment assistance programs across Texas. Outside of the mortgage world, Kory enjoys cooking using his original seasoning blends, producing music, and spending time with family.

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