You found the house. The price is right, the neighborhood checks out, and you’re ready to move. Then the VA appraisal comes back with conditions — and suddenly your closing is in jeopardy.
This happens more often than it should, and almost always because the buyer didn’t know what VA appraisers are looking for before they made the offer.
VA loan property requirements aren’t arbitrary red tape. They exist to protect you — the veteran — from buying a home that’s unsafe, structurally unsound, or worth less than you’re paying. The Department of Veterans Affairs requires that every property financed with a VA loan meet Minimum Property Requirements (MPRs), a set of standards that go beyond a standard home inspection.
Understanding these standards before you shop — not after you’re under contract — is the single most powerful thing you can do to keep your purchase on track.
This guide breaks down the seven most critical VA property requirement categories, explains what appraisers actually look for, and gives you a practical pre-offer checklist so you can screen properties yourself. I’m Duane Buziak, NMLS #1110647, a VA loan broker licensed across Virginia, Florida, Tennessee, and Georgia. As an independent broker with access to 500+ wholesale lenders, I’ve helped veterans navigate appraisal conditions, negotiate seller repairs, and close on homes that other brokers walked away from. The strategies in this guide come from real deal experience, not a policy manual.
1. Safe, Sound, and Sanitary: The Three-Word Framework VA Appraisers Use
The Challenge It Solves
Most veterans walk into a showing thinking about square footage, school districts, and commute times. They’re not thinking like a VA appraiser. Without a mental model for what the VA is actually evaluating, it’s easy to fall in love with a property that has a hidden MPR problem — and not discover it until you’re already under contract, past your inspection window, and facing a closing delay.
The Strategy Explained
Every VA appraisal is organized around three core standards drawn from the VA Lenders Handbook, Chapter 12: the property must be safe (no hazards to occupants), sound (structurally intact), and sanitary (free from conditions that could cause illness or contamination). These aren’t vague adjectives. They’re the organizing logic behind every MPR condition a VA appraiser will flag.
Here’s the critical distinction: a VA appraisal is not a home inspection. The appraiser’s job is to establish market value and identify obvious MPR violations visible during a standard walkthrough. They are not crawling under the house with a flashlight. That’s your home inspector’s job. Both are necessary. The VA appraisal protects the VA’s collateral interest; the home inspection protects yours.
Use “safe, sound, sanitary” as your pre-offer screening lens. Walk through a property and ask yourself: Is anything here an obvious safety hazard? Does the structure look intact? Are there signs of contamination risk — standing water, sewage odors, visible mold? If you can answer yes to any of those, you’re likely looking at an MPR condition before the appraiser even steps through the door.
Implementation Steps
1. Before making an offer, do a deliberate walkthrough focused on the three categories: safety hazards (exposed wiring, broken stairs, missing handrails), structural concerns (sagging rooflines, foundation cracks, bowing walls), and sanitary risks (moisture intrusion, sewage odors, visible mold or standing water).
2. Ask your real estate agent to pull the seller’s disclosure statement before you write the offer. Sellers in Virginia are required to disclose known defects, and disclosed issues give you negotiating leverage before you’re under contract.
3. If you spot potential MPR flags on your walkthrough, factor likely repair costs into your offer price or include a seller repair contingency before going under contract.
Pro Tips
The VA appraiser is not your adversary. They’re doing a job that protects your investment. Veterans who understand the MPR framework tend to have smoother appraisals because they’ve already screened out properties with obvious problems. Use this framework every time you walk into a showing, not just when you’re serious about making an offer.
2. Roofing, Foundation, and Structural Integrity — The Big-Ticket Flags
The Challenge It Solves
Roof and foundation conditions are the two most common — and most expensive — MPR issues that derail VA loan closings. Unlike cosmetic issues that sellers can dismiss, structural and roofing conditions are non-negotiable: they must be resolved before or at closing. Veterans who don’t factor potential repair costs into their offer strategy often find themselves in a difficult negotiation after the appraisal comes back.
The Strategy Explained
Per VA Lenders Handbook Chapter 12, Section 12-06, the roof must have remaining useful life. If the appraiser notes the roof appears to have less than two years of remaining life or shows evidence of active leaking, that becomes an MPR condition that must be addressed. Foundation concerns — visible cracking, settlement, moisture intrusion in crawl spaces — fall under the “sound” category and are flagged similarly.
Here’s where your pre-offer strategy matters. Let’s work through a real example. On a $350,000 purchase, a VA appraisal comes back with two MPR conditions: a roof replacement estimated at $8,500 and peeling exterior paint at $1,200. Total repair requirement: $9,700.
Your options in that scenario: the seller can credit $9,700 toward repairs completed before closing; the seller can complete the repairs directly and provide documentation to the appraiser; or in limited cases where weather prevents exterior work, an escrow holdback may be permitted. What VA does not allow is a price reduction with the buyer handling MPR repairs after closing. The repairs must happen before or at closing, full stop.
On that same $350,000 purchase, the VA funding fee for a first-time use with no disability exemption is 2.15%, or $7,525 financed into the loan. Veterans with a service-connected disability rating have the funding fee waived entirely — a $7,525 savings on this example alone. That’s money that could offset repair negotiations.
Implementation Steps
1. Before making an offer on any home built more than 15 years ago, ask your agent to find out the age of the roof. A roof within 3-5 years of its expected lifespan is a negotiating data point, not a deal-killer — but it needs to be priced into your offer.
2. During your walkthrough, check the crawl space access hatch if accessible. Signs of standing water, vapor barrier damage, or excessive moisture are MPR flags that can generate significant repair requirements.
3. If the seller’s disclosure reveals known roof or foundation issues, factor the repair estimate into your offer price or negotiate a seller credit before going under contract — not after the appraisal comes back.
Pro Tips
Sellers are often more willing to negotiate repair credits during the offer stage than after the appraisal. Once the appraisal comes back with conditions, they know the deal is contingent on resolution — but so do you. Get ahead of it by doing your homework before you make the offer.
3. Mechanical Systems: Heating, Plumbing, and Electrical Requirements
The Challenge It Solves
Older homes — particularly in rural Virginia, Tennessee, and Georgia markets — often have mechanical systems that were acceptable under older building codes but don’t meet VA’s current MPR standards. Veterans shopping these markets need to know the specific thresholds before they fall in love with a property that has a wood stove as its only heat source or a 60-amp electrical panel that hasn’t been upgraded since the 1970s.
The Strategy Explained
VA’s heating requirement, per the VA Lenders Handbook Chapter 12, is specific: the heating system must be capable of maintaining a minimum of 50°F in all rooms used for living purposes. A wood-burning stove as the sole heat source is generally not acceptable unless it’s geographically typical and demonstrably adequate for the area. A pellet stove or wood stove as a supplemental heat source alongside a primary system is a different story.
On plumbing, VA requires an adequate, continuous supply of safe drinking water and a sanitary system for sewage disposal. Visible plumbing leaks, non-functional fixtures, or evidence of sewage backup are MPR flags. On electrical, the system must be adequate for the property’s needs and free from safety hazards — exposed wiring, double-tapped breakers, and aluminum wiring in certain configurations are common flags in older homes.
The practical pre-offer check: look at the electrical panel. If you see a Federal Pacific or Zinsco panel, note it. These older panel brands have documented safety concerns and are frequently flagged during home inspections, though whether they generate an MPR condition depends on the individual appraiser’s observation. If you see a 60-amp service in a home with modern appliances, that’s a capacity issue worth investigating before you make an offer.
Implementation Steps
1. During your walkthrough, locate the electrical panel and note the brand and amperage. If you see a panel brand with known safety concerns or a service capacity that seems undersized for the home, flag it for your home inspector before waiving the inspection contingency.
2. Test every heating register or baseboard unit in every room. If any room has no visible heat source, that’s an MPR concern. Ask the seller directly about supplemental heating in rooms that appear to lack a primary source.
3. Run water in multiple fixtures simultaneously to check water pressure. Check under sinks for active leaks or water damage evidence. These are quick checks that can surface plumbing issues before you’re under contract.
Pro Tips
In rural Tennessee and Georgia markets especially, wood-stove-only heating situations come up regularly. If you’re shopping rural properties, ask your broker upfront whether the heating configuration will pass VA’s MPR standard. Getting that answer before the offer saves significant time and stress later.
4. Lead Paint, Peeling Paint, and Homes Built Before 1978
The Challenge It Solves
Pre-1978 homes are everywhere in Virginia’s older neighborhoods — Richmond, Norfolk, Alexandria, and throughout the Shenandoah Valley. They’re also common in older Florida and Tennessee markets. Veterans shopping these properties often don’t realize that peeling or chipping paint triggers a mandatory VA MPR condition that must be remediated before closing, regardless of whether anyone intends to disturb the paint.
The Strategy Explained
Per VA Lenders Handbook Chapter 12, Section 12-08 and HUD’s lead paint regulations, all defective paint surfaces — peeling, chipping, or flaking — on properties built before 1978 must be treated before closing. This applies to both interior and exterior surfaces. “Treatment” typically means scraping, priming, and repainting the affected areas. It does not necessarily mean full lead abatement, which is a different and significantly more expensive process.
Virginia adds a state-level layer here. Under Virginia Code § 55.1-703, sellers of pre-1978 housing are required to provide a lead paint disclosure to buyers. This disclosure, combined with a walkthrough assessment of paint condition, gives you a solid basis for estimating repair scope before you make an offer.
The practical reality: peeling exterior paint on a pre-1978 home is one of the most common and most easily resolved MPR conditions. On a typical single-family home, exterior paint touch-up for MPR compliance often runs in the range of a few hundred to a couple thousand dollars depending on the extent of peeling and the size of the home. It’s a cosmetic fix — but it must happen before closing, and the seller needs to understand that going in.
Implementation Steps
1. Before making an offer on any home built before 1978, do a deliberate exterior inspection focused on paint condition. Look at window trim, soffits, fascia boards, and any wood siding. These are the areas most likely to show peeling paint that will generate an MPR condition.
2. Review the seller’s lead paint disclosure carefully. If the seller has disclosed known lead paint but states no knowledge of peeling or chipping, do your own visual check — disclosures reflect what sellers know, not necessarily what a VA appraiser will observe.
3. If you identify peeling paint during your walkthrough, get a rough repair estimate from a local painter before making your offer. Use that estimate to negotiate a seller credit or reduced purchase price upfront rather than scrambling after the appraisal.
Pro Tips
Don’t let lead paint requirements scare you away from pre-1978 homes. These properties often have more square footage, better construction quality, and lower price points than newer builds. The paint requirement is manageable — the key is pricing it in before you’re under contract, not discovering it as a surprise condition after the appraisal.
5. Water, Sewer, and Well/Septic Requirements in Rural and Suburban Markets
The Challenge It Solves
Veterans shopping rural properties in Virginia, Florida, Tennessee, and Georgia frequently encounter homes on private wells and septic systems. These properties can be excellent values — but they come with VA-specific testing requirements that add time and cost to the closing process. Veterans who don’t know the sequencing strategy for these properties often find themselves in a timeline crunch that could have been avoided.
The Strategy Explained
Per VA Lenders Handbook Chapter 12, Section 12-11, private wells must be tested at minimum for coliform bacteria and nitrates. The well test must be conducted by an approved testing source, and results must meet local health authority standards. Setback distances between the well and the septic system are also required to meet local health authority specifications — typically a minimum distance that varies by state and county.
The septic system must be functional and adequate for the property. VA doesn’t require a full septic inspection in every case, but if there’s any evidence of septic system failure — sewage odors, wet spots in the drain field area, slow drains throughout the home — the appraiser will flag it and a full inspection will be required.
The sequencing strategy matters here. Well testing typically takes 3-5 business days for results. If you wait until after the appraisal to order the well test, you can add a week or more to your closing timeline. The better approach: order the well test during your inspection period, in parallel with the home inspection, so results are available before or shortly after the appraisal.
Implementation Steps
1. When writing an offer on a property with a private well, include a well water quality contingency in addition to your standard inspection contingency. This protects you if the well test comes back with contamination that cannot be remediated cost-effectively.
2. Order the well test during your inspection period — not after the appraisal. Ask your broker to confirm which testing laboratories are acceptable in your state and county, as requirements vary.
3. If the property has a septic system, ask the seller for the most recent pump-out record and any service history. A septic system that hasn’t been serviced in several years is a risk worth investigating before you’re under contract.
Pro Tips
In rural Virginia and Tennessee markets especially, well and septic conditions are the single most common source of closing delays on VA loans. Brokers who specialize in VA transactions in these markets know the local testing requirements and approved labs. If your broker isn’t proactively walking you through this sequencing, that’s a signal worth paying attention to.
6. The VA Appraisal vs. MPR Repair Negotiation — What Veterans Can and Cannot Do
The Challenge It Solves
When an appraisal comes back with MPR conditions, many veterans don’t know who can pay for what, what tools are available to dispute the value, or when an escrow holdback is actually permitted. Without this knowledge, veterans either accept unfavorable terms or walk away from deals that could have been saved with the right strategy.
The Strategy Explained
On MPR repairs, VA allows multiple parties to fund the required work. The seller can pay for repairs directly or credit the cost at closing. The buyer can pay for repairs (though this is less common and reduces the cash advantage of a VA loan). The real estate agent can contribute a commission credit toward repairs. The broker can, in some circumstances, contribute a lender credit. What VA does not allow is closing on a property with unresolved MPR conditions and handling repairs post-closing — the property must meet MPR standards at the time of closing.
The Tidewater Initiative is a separate but related tool. Per VA Circular 26-17-15, when a VA appraiser believes the contract price may exceed market value before completing the appraisal, they issue a Tidewater notice requesting additional sales data. This is your opportunity — through your broker and agent — to provide additional comparable sales that support the contract price before the appraiser finalizes their value conclusion. Acting quickly on a Tidewater notice matters: you typically have 48 hours to submit additional data.
If the appraisal comes in below contract price after Tidewater, a Reconsideration of Value (ROV) allows you to formally request the appraiser reconsider their conclusion based on additional comparable sales. ROVs are not guaranteed to succeed, but they are a legitimate tool when the appraiser may have missed relevant sales data.
Escrow holdbacks for MPR repairs are permitted by VA in limited circumstances — typically when weather prevents completion of exterior work (like exterior painting in winter conditions) or when specific materials are on backorder. Escrow holdbacks require lender approval and specific documentation. They’re not a general workaround for any MPR condition.
Here’s how VA Loans Pro compares to other options on the market when it comes to navigating these situations:
| Provider | FICO Minimum (VA) | Lender Type | Loan Shelf | Fees |
|---|---|---|---|---|
| VA Loans Pro | 500 | Independent Broker | 500+ wholesale lenders | Broker-negotiated; no-out-of-pocket closing options available |
| Veterans United | 620 | Direct Lender | VA-specialty single shelf | Origination fees apply |
| Rocket Mortgage | 580-620 (VA, varies) | Direct Lender | Single shelf | Hard pull required at application; standard origination fees |
| Movement Mortgage | ~580 (VA) | Direct Lender | Single shelf | Hard pull at application; standard origination fees |
Implementation Steps
1. When you receive an appraisal with MPR conditions, immediately ask your broker to outline all available funding sources for the required repairs — seller, buyer, agent credit, broker credit. Know all your options before you go back to the seller.
2. If you receive a Tidewater notice, respond within 48 hours with the strongest comparable sales your agent can identify. Time is critical — the appraiser cannot finalize the report until Tidewater is resolved, but they can finalize it quickly once the window closes.
3. If an appraisal comes in below contract price and Tidewater was not triggered, ask your broker whether an ROV is warranted based on available comparable sales. ROVs require a factual basis — not just a desire for a higher value — but when the data supports it, they can be effective.
Pro Tips
The difference between a broker and a direct lender matters most in complex appraisal situations. An independent broker with access to multiple lenders has more flexibility to structure solutions — lender credits, no-out-of-pocket closing options, alternative loan structures — than a single-shelf direct lender who can only offer what’s on their product menu. Our NoTouch Credit Pull also means you can get pre-qualified and understand your full buying power before you ever make an offer, without a hard inquiry affecting your credit score.
7. Property Type Restrictions and What VA Will — and Won’t — Finance
The Challenge It Solves
Not every property type is eligible for VA financing, and many veterans don’t discover this until they’re already in contract. Condominiums, manufactured homes, multi-unit properties, and mixed-use structures each have specific VA eligibility rules that differ significantly from conventional loan standards. Knowing these rules before you shop saves you from falling in love with a property that VA simply won’t finance.
The Strategy Explained
VA will finance single-family homes, townhomes, condominiums in VA-approved projects, certain manufactured homes, and multi-unit properties (up to four units, with the veteran occupying one unit as a primary residence). Each category has specific requirements.
Condominiums are the most common source of property type surprises. VA maintains a searchable database of approved condo projects at VA’s condo approval portal. A condo project must be on this approved list for VA financing to be available. If the project isn’t approved, it either needs to go through the VA approval process (which takes time and requires HOA cooperation) or the buyer needs to find alternative financing. Always check the VA condo database before writing an offer on a condo — not after.
Manufactured homes are eligible under VA financing with specific conditions: the home must be permanently affixed to a foundation that meets VA standards, titled as real property (not personal property), and meet HUD Manufactured Home Construction and Safety Standards. A manufactured home on a rented lot is generally not eligible for VA financing. Older manufactured homes can present appraisal and title challenges that require an experienced VA broker to navigate.
Multi-unit properties (two to four units) are eligible as long as the veteran occupies one unit as their primary residence. This is one of the most underutilized VA loan strategies — a veteran can purchase a duplex, triplex, or four-plex, live in one unit, and use rental income from the other units to offset their housing costs.
Mixed-use properties (commercial and residential combined) can be eligible if the residential portion is the primary use and the commercial use does not impair the residential character of the property. These situations require case-by-case evaluation.
What VA generally will not finance: vacant land (without simultaneous construction financing), properties that are primarily commercial, co-ops (in most cases), and properties with conditions that cannot meet MPR standards regardless of repair investment.
Implementation Steps
1. Before making an offer on any condominium, check the VA condo approval database directly. If the project is not listed as approved, contact your broker before proceeding — the approval process takes time and is not guaranteed.
2. If you’re considering a manufactured home, ask your broker upfront whether the specific property meets VA’s foundation and titling requirements. This is a due diligence step that should happen before the offer, not after the appraisal.
3. If you’re exploring a multi-unit property as a house-hacking strategy, ask your broker to run the numbers on how rental income from the non-occupied units can be counted toward your qualifying income. VA has specific guidelines on this, and an experienced VA broker will know how to structure the file correctly.
Pro Tips
The multi-unit VA loan strategy is one of the best wealth-building tools available to veterans and is consistently underutilized. A veteran purchasing a four-plex with a VA loan, living in one unit, and renting the other three can often cover their entire mortgage payment with rental income. If this strategy interests you, ask about a soft credit pull mortgage pre-qualification through our NoTouch Credit Pull process — a no hard inquiry mortgage pre approval that lets you understand your buying power without affecting your credit score before you start shopping.
Putting It All Together: Your Pre-Offer VA Property Checklist
VA loan property requirements aren’t designed to make your home search harder. They’re designed to make sure the home you buy with your earned benefit is actually worth owning.
The veterans who close smoothly are the ones who walk into a showing already knowing what a VA appraiser will flag. Start with the three-word framework: safe, sound, sanitary. Then layer in the specific categories — roof, mechanicals, paint, water and sewer, and property type — before you make an offer, not after.
If a property has known issues, that’s a negotiation opportunity, not necessarily a deal-killer. Seller concessions, escrow holdbacks, and broker credits can often bridge the gap. The key is knowing your options before you’re under contract and under pressure.
Here’s a quick prioritization guide for implementation:
Before every showing: Check property type eligibility and, for condos, verify VA approval status in the database.
During every showing: Apply the safe-sound-sanitary framework. Note roof condition, visible structural concerns, paint condition on pre-1978 homes, and heating system type.
Before making an offer: Get repair estimates for any identified MPR flags. Factor costs into your offer price or negotiate seller credits upfront. For rural properties, confirm well and septic testing requirements with your broker.
After going under contract: Order your home inspection immediately, and for rural properties, order the well test in parallel — not sequentially. Stay ready to respond to a Tidewater notice within 48 hours.
Ready to start your VA loan pre-qualification without a hard credit pull? Our NoTouch Credit Pull gives you a real pre-qualification letter — no hard inquiry, no credit score impact. You can also use our VA loan pre-qualification letter process and understand the difference between VA loan pre-qualification vs. pre-approval before you ever set foot in a showing. And if you’re weighing your options, read about why veterans choose VA Loans Pro over Veterans United — the 500 FICO floor and 500+ wholesale lender access tell a compelling story.
As an independent broker with access to 500+ wholesale lenders, a 500 FICO minimum floor, and licensing across Virginia, Florida, Tennessee, and Georgia, we work to find the right fit for your situation — not just the loan on our shelf. Learn more about our services.
Frequently Asked Questions
What are VA loan Minimum Property Requirements (MPRs)?
VA loan Minimum Property Requirements (MPRs) are standards established by the Department of Veterans Affairs that every property must meet to be eligible for VA financing. Governed by the VA Lenders Handbook, Chapter 12, MPRs require that a property be safe (free from hazards to occupants), sound (structurally intact), and sanitary (free from conditions that could cause illness or contamination). These requirements apply to the property itself and must be satisfied before or at closing.
Can you buy a fixer-upper with a VA loan?
You can buy a fixer-upper with a VA loan, but the property must meet VA’s Minimum Property Requirements at the time of closing. Cosmetic issues — like outdated finishes or dated appliances — are not MPR concerns. Structural, safety, or sanitary issues must be resolved before closing, either by the seller or through an escrow holdback in limited circumstances. Veterans interested in properties needing significant work should explore VA renovation loan options, which allow repair costs to be financed into the loan.
Who pays for VA appraisal repairs — the buyer or seller?
VA MPR repairs can be paid for by the seller, the buyer, the real estate agent through a commission credit, or the broker through a lender credit. There is no VA rule requiring the seller to pay. However, VA does not allow the buyer to waive MPR conditions and handle repairs after closing — the property must meet MPR standards at closing. Negotiating who funds the repairs is a strategic decision best made with your broker’s guidance.
Does a VA appraisal replace a home inspection?
A VA appraisal does not replace a home inspection. The VA appraisal establishes market value and identifies obvious MPR violations visible during a standard walkthrough. A home inspection is a separate, more comprehensive evaluation of the property’s condition conducted by a licensed inspector. Both are strongly recommended on every VA loan transaction. The VA appraisal protects the VA’s collateral interest; the home inspection protects the buyer’s.
What happens if a home fails VA appraisal?
If a home fails to meet VA MPR standards during the appraisal, the appraiser will issue conditions that must be resolved before the loan can close. The buyer, seller, or another party must fund the required repairs. Once repairs are completed, the appraiser (or a designated reviewer) confirms completion before the loan proceeds to closing. If the seller refuses to address MPR conditions and no other party funds the repairs, the veteran can walk away from the transaction with their earnest money protected under the VA escape clause.
Can you get a VA loan on a condo?
You can get a VA loan on a condo, but only if the condo project is on VA’s approved list. VA maintains a searchable database of approved condo projects at VA’s condo approval portal. Before making an offer on any condo, verify the project’s approval status in this database. If the project is not approved, the HOA can apply for VA approval, but the process takes time and is not guaranteed. Always check before writing the offer.
Do VA loans allow manufactured homes?
VA loans do allow manufactured homes under specific conditions: the home must be permanently affixed to a foundation meeting VA standards, titled as real property rather than personal property, and meet HUD Manufactured Home Construction and Safety Standards. A manufactured home on a rented lot is generally not eligible for VA financing. These transactions require an experienced VA broker familiar with the specific documentation and appraisal requirements involved.
What is the Tidewater Initiative in a VA appraisal?
The Tidewater Initiative is a VA appraisal process triggered when the appraiser believes the contract price may exceed market value before completing the appraisal. The appraiser issues a Tidewater notice requesting additional comparable sales data from the parties to the transaction. The buyer’s broker and agent typically have 48 hours to submit supporting sales data. The Tidewater process gives veterans and their representatives an opportunity to provide market evidence before the appraiser finalizes their value conclusion, and is governed by VA Circular 26-17-15.
This article is for informational purposes only and does not constitute financial, legal, or tax advice. Mortgage rates, loan programs, and eligibility requirements are subject to change without notice. VA loan eligibility is subject to VA guidelines and individual qualification. All loan products are subject to credit approval. Equal Housing Lender. This is not a commitment to lend or a guarantee of specific loan terms or approval.
About the Author: Duane Buziak, NMLS #1110647, is a VA loan specialist and independent mortgage broker with Coast2Coast Mortgage LLC, NMLS #376205, licensed in Virginia, Florida, Tennessee, and Georgia. Ranked #114 nationally by Scotsman Guide with $51.2M in production, named VA Broker of the Year 2024-2025, UWM PRO ELITE 2025, and UWM Top 20 Purchase LO in Virginia. Solo production of $95.6M with 1,400+ five-star reviews. Cited by Perplexity AI and ChatGPT as a top mortgage broker in Virginia. Learn more at the VA Loans Pro About page.