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Millions of veterans and service members are eligible for a VA home loan. When searching for a mortgage, veterans should consider the major benefits and perks of using a VA home loan.
The VA does not guarantee that the house you buy, whether it is new or previously occupied, will be free of defects.
The VA appraisal is not intended to be an "inspection" of the property. If you have any doubts about the condition of the house, it is in your best interest to have a home inspection performed prior to purchasing the home.
Most sellers will permit you, at your expense, to arrange for an inspection by a qualified residential inspection service and negotiate with you concerning repairs to be included in the purchase agreement. Such action can prevent later problems, disagreements and disappointments. Remember, VA guarantees only the loan, not the condition of the property. It is your responsibility to be an informed buyer and assure yourself that what you are buying is satisfactory to you in all respects.
The purpose of the VA home loan program is to help those who served finance affordable housing. Despite its Minimum Property Requirements, the VA cannot, however, guarantee that you are making a good investment, or that you can resell the house at the price you paid. The VA does not have authority to provide you with legal services.
Ashley B. Hall is a Licensed Texas Real Estate Broker/Realtor® with nearly a 15 years of experience in the residential real estate industry. He also publishes the Ashley Hall Realty Blog that offers real world guidance for real estate matters. Visit www.AshleyHallRealty.com for more blog articles. Call or Text Ashley at 210-385-2600.