What are VA Minimum Property Requirements?
VA's MPRs are property-condition standards focused on safety, soundness, and sanitation. The home must be habitable, structurally sound, free of safety hazards, and have working systems (water, sewer/septic, electrical, heat, roof, etc.).
What this actually means.
The appraiser reports readily apparent issues involving safe access, structural conditions, the roof and attic, electrical and plumbing systems, heat, potable water, sanitation, drainage and other hazards covered by VA's Minimum Property Requirements. VA does not require air conditioning. If air-conditioning equipment is installed, it must be operational. Required repairs normally have to be completed and cleared before closing. Subject to current VA guidance.
What this looks like on a real file.
Where this can move.
Property condition against MPRs, repair requirements, Tidewater process, and Reconsideration of Value can change the appraised value and timeline.
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Educational only. VA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with the VA, HUD, or any government agency.