VA Home Loans

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New and or proposed manufactured housing must be installed by a licensed installer.

Upon transfer of an ownership interest, every Alaska property with an individual water sewage disposal system requires evidence from the local Health Authority (or other source authorized by VA) that the septic system is acceptable.
The VA notice of value for every "Energy Rated Home" with a value adjustment for a "Five Star" or "Five Star+" rating must state, "Lender to provide evidence of Five Star or Five Star+ energy rating."
Property located in either a Red or Blue avalanche zone is not eligible to be the security for a VA-guaranteed loan.
Wood-destroying insect information is not generally required.

For properties listed on a master appraisal, the combined value of the optional items selected by a veteran purchaser can not exceed 15 percent of the reasonable value assigned for the base plan type (exclusive of any lot premium).

Wood-destroying insect information is required for all properties in the following states: Texas, Oklahoma, Arkansas, and Louisiana.

For Colorado properties to be covered by a ten-year insured protection plan, the warranty must also cover the basement slab for the first through the fourth year.

VA does not require Wood Destroying Insect Information on properties in the State of Colorado unless the VA appraisal indicates Wood Destroying Insect infestation or a condition conducive to infestation.

In Connecticut, as of October 1, 2014, VA will no longer need shared maintenance agreements for shared private roads or driveways because, under Connecticut Public Act No. 14-67, Section 1(b), the owner of any residential real property that benefits from an easement or right-of-way, the purpose of which is to provide access to such residential real property, shall be responsible for the cost of maintaining such easement or right-of-way in good repair and the cost of repairing or restoring any damaged portion of such easement or right-of-way. Such maintenance shall include, but not be limited to, the removal of snow from such easement or right-of-way.

No local requirements.

DISTRICT OF COLUMBIA - Roanoke Regional Loan Center

No local requirements.

A heating system is not required in the following south Florida counties: Broward, Charlotte, Collier, Dade, Glades, Hendry, Lee, Martin, Monroe and Palm Beach.
New and or proposed manufactured housing must be installed by a licensed installer.

No local requirements.

Wood Destroying Insects – Wood Destroying Insect Inspections are required on all existing residential properties, including condominium projects that are 5 stories or less in height, due to the high probability of termite infestation in the area. The State of Hawaii mandates that Wood Destroying Insect Inspections be reported on a State Prescribed PC-9 Form which is valid for 15 days. For the purposes of closing the loan, the VA considers the Wood Destroying Insect Inspection and the PC-9 Form to be valid for 90 days. This 90 validity period only applies to closing a loan for VA Lending Purposes; it does not extend the warranty that the property is free from wood destroying insects to 90 days.

Heating Systems - Hawaii is a tropical climate and heating and/or cooling systems are not required to meet VA minimum Property Requirements for VA Lending purposes.

Leasehold Estates - A copy of the lease must accompany the appraisal request. The terms of the lease must be approved by the VACO/NPG prior to commencement of the appraisal assignment. The total Lease Term must exceed the Mortgage Term by 14 years and the Mortgage Term must not exceed the Fixed Rent Period of the Lease.

Water Catchment Systems - Please refer to VBA Circular 26-14-4, dated 2/19/2014, and renewed by VBA Circular 26-14-4 Change 1, dated 1/8/2016, Clarification of the Department of Veterans Affairs (VA) Acceptance of Water Catchment Systems in the State of Hawaii. The Circular may be found at: http://benefits.va.gov/homeloans/documents/circulars/26_14_4.pdf

Cesspools – Existing cesspools may be acceptable for VA Lending Purposes if the following conditions are met:

Lender must verify with the State of Hawaii, Department of Health, Wastewater Branch that the cesspool was properly permitted when installed. The Wastewater Branch keeps and can provide a copy of the Cesspool Registration Card. This Card must be kept in the Lender’s loan file.

The cesspool must be tested/recertified in the following circumstances:
1. There has been an enforcement action due to a failure of the system.
2. The Appraiser notes obvious signs of failure of the cesspool during the inspection of the subject property.
3. There has been significant building modification (additions to the home, not remodeling) that increases either the living area or number of fixtures disposing waste water into the cesspool.
4. The cesspool is located in the groundwater table.
1. If one or more of the conditions listed under Item #2 apply, Lenders are responsible to order cesspool testing by a specialist acceptable to the Department of Health.
  1. Should the cesspool require testing, the NOV must be conditioned in Block 5. WATER/SEWAGE SYSTEM ACCEPTABILITY: Evidence from the local health authority or other source authorized by VA that the individual ___ water supply, _X_ sewage disposal system(s) is/are acceptable.
  Lava Zones – The VA will accept properties located within Lava Zone 1 and Lava Zone 2 for VA Lending purposes. A Lava Insurance Policy, with coverage for at least the amount of the loan, is required for all properties located within Lava Zone 1 and Lava Zone 2.
  1. All community water systems in Idaho must be currently approved by both the Idaho Department of Environmental Quality and the local health authority.
  2. Every Idaho property in the Spokane/Rathdrum Prairie Single Source Aquifer (essentially Kootenai County) with an individual sewage disposal system requires evidence from the local health authority that the system is acceptable.