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.
MPR areas the appraiser checks: safe access to the property, structural integrity, working roof with reasonable remaining life, working electrical and plumbing, working heat (and AC where central cooling is standard for the market — typical in Florida), no visible health hazards (lead-paint flags on pre-1978 homes), pest-free condition, water supply and sanitary sewer, and clear of major drainage or grading issues. MPR violations typically have to be cured before closing — the appraiser re-inspects.
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.