What repairs are required for a VA loan?
Anything the appraiser flags as an MPR violation: safety hazards, structural defects, broken systems, end-of-life roofs, exposed wiring, peeling lead-paint on pre-1978 homes, broken HVAC in Florida, pest infestation. Cosmetic issues are not flagged.
What this actually means.
Required repairs must be cured before closing — VA does not generally allow holding back funds in escrow to cure MPR items post-closing. The seller usually completes the repairs and the appraiser re-inspects. If the seller refuses, the deal often dies or shifts to conventional. Subject to VA guidelines.
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.