If you need assistance, please call 509-590-4701

3 Tips for Selling Your Home to a VA Home Loan Buyer

Monday, April 1, 2019   /   by Connie Tracy

3 Tips for Selling Your Home to a VA Home Loan Buyer

728 x 90 Connie.png

As Fairchild AFB is growing, so are the amount of military personnel coming into Spokane. Many of the families are looking at purchasing homes using their VA eligibility. 

Here are 3 tips to be aware of when selling your home to a VA home loan buyer:

1. Familiarize Yourself with the Minimum Property Requirements

In order for a VA home loan to process, a VA appraiser is required to inspect and approve the Minimum Property Requirements (MPRs). Some MPRs are up to the appraiser's interpretation, and others are very specific.

These are the 14 points appraisers work with:

1. Must be a residential property. It can not be bare land.

2. The property must provide enough space for suitable living, including sleeping, cooking, and sanitary accommodations.

3. Electrical and plumbing systems need to be in good working order and have a reasonable time frame of future use available.

Backup Offer... What is that?

Pre-Approval vs Pre-Qualification...what's the diff?

4. Safe and adequate heating systems are required. Homes with wood burning stoves as the primary source also need to have a conventional system to ensure 50 degrees F is maintained inside.

5. Water and sewage systems have to meet local regulations in addition to health department standards. How water in the house is mandated.

6. The current state of the roof should be satisfactory without the visual signs of disrepair, ensuring realistic future use.

7. Pooling and dampness in crawl spaces has to be corrected. Also, the access has to be clear of debris and have proper ventilation.

8. The property must have utilities for each living unit, which is typically the whole house for single-family residence.

9. Safe access from the street is mandatory: driveways or permanent entries to the house for entrance.

10. The property must be free of hazards that would harmfully affect the health and safety of the buyers. Some defective conditions considered are poor construction or workmanship, excessive leaking or dampness, settling foundations, and decay.

11. The property must have a properly graded lot to avoid water damage from gathering water near the foundation.

12. An absence of fungus growth, dry rot, and wood damaging insects is required.

13. Homes built before 1978 may have an inspection for lead based paint. Any lead paint found must be remediated.


As the seller, if you are catering to the military, you want to compute the asking price plus 2-3% more for VA funding fees, property taxes, and insurance to produce a reasonable estimation of a future mortgage for military buyers. Be aware of costs that a buyer using the VA loan will typically pass on to the seller. Closing and processing fees are deemed non-allowable fees by the VA. Generally, the seller incurs the fees. This may be a point of negotiation for the seller and the buyer.


Military homebuyers often have a short time to find a home. Prepare to wow buyers immediately, otherwise they will move on to homes with better pictures, videos, and web presence, mostly because time is not on their side. 

Curb appeal is supreme 

Most military families will be in the home for 2-3 years. They do not to spend a lot of time on a fixer upper. It cannot be stressed enough--- pictures that reveal a clean, uncluttered home are the most important first steps for drawing buyers in. 

Military life requires plenty of storage. If your property lacks adequate storage options, consider a cost-effective remedy. Being able to boast about a house's storage solutions early in the property description immediately earns an extra look from buyers.

The VA loan buyer pool is a very lucrative crowd to tap into. PCS plans have you considering putting your house up for sale, referring to these VA appraiser guidelines will help you get the property into selling condition for the best price. 

Check out my website at https://connie.viewhomesinspokane.com for more helpful articles for buyers and sellers! The more you know, the more prepared you will be in this competitive market.

Ready to sell your home? Want to find the home of your dreams? Have any questions?
Call or shoot me a text and I will be happy to share more with you about selling or buying a home!

Your Friendly Real Estate Expert...Cheers!
Connie Tracy
Haven Real Estate Group
Connie Tracy PNG.png

  selling home, home selling, spokane real estate, home seller tips, buying and selling a home, getting ready to sell, tips, real estate agents, haven real estate group, listing, home buying, buying a home, home buyer tips, realtor, spokane realtor, curb appeal, connie tracy, fairchild air force base, va loans

Haven Real Estate Group
Cambria Henry
304 W Pacific Ave; Suite 360
Spokane, WA 99201

IDX information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that data is deemed reliable but is not guaranteed accurate by the MLS.
MIMLS The data relating to real estate for sale on this web site comes in part from the Spokane Association of REALTORS® MLS. Real estate listings held by brokerage firms other than Haven Real Estate Group are marked with the IDX logo. All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) nor Haven Real Estate Group shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Property locations as displayed on any map are best approximations only and exact locations should be independently verified. Copyright 2019 of the Spokane Association of REALTORS® MLS. All rights reserved.