{"id":66496,"date":"2018-04-19T15:58:12","date_gmt":"2018-04-19T15:58:12","guid":{"rendered":"https:\/\/one.sightlinemg.com\/armytimes\/uncategorized\/2018\/04\/19\/borrower-beware-4-things-va-loans-cant-do\/"},"modified":"2026-08-08T12:15:21","modified_gmt":"2026-08-08T12:15:21","slug":"borrower-beware-4-things-va-loans-cant-do","status":"publish","type":"post","link":"https:\/\/one.sightlinemg.com\/armytimes\/home-hq\/2018\/04\/19\/borrower-beware-4-things-va-loans-cant-do\/","title":{"rendered":"Borrower beware: 4 things VA loans can\u2019t do"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">From the basics (no down payment) to special cases (<a href=\"https:\/\/www.militarytimes.com\/home-hq\/va-loan-center\/2018\/02\/06\/va-farm-loans-how-they-work-and-where-else-veterans-can-go-for-help\/\" target=_blank>farm loans<\/a>, <a href=\"https:\/\/www.militarytimes.com\/home-hq\/2018\/02\/23\/va-loans-and-new-construction-when-and-how-it-can-work\/\" target=_blank>construction loans<\/a>) to less-heralded programs (<a href=\"https:\/\/www.militarytimes.com\/home-hq\/va-loan-center\/2018\/02\/20\/how-vas-energy-efficiency-program-could-save-you-cash-on-home-repairs-utility-bills\/\" target=_blank>go green!<\/a>), VA-backed loans offer a variety of benefits for eligible borrowers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But as the agency itself outlines in an online reference guide (<a href=\"https:\/\/benefits.va.gov\/homeloans\/documents\/docs\/vap_26-4_online_version.pdf\" target=_blank>PDF<\/a>), there are parts of the real estate purchasing process that VA can neither control nor guarantee. While these issues may not arise with your particular loan, it\u2019s worth knowing the limitations of any program before taking part.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here are four such limitations for VA borrowers. The agency cannot:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><b>1. Guarantee your home\u2019s condition.<\/b> While VA appraisals do check for a variety of structural and other issues, they aren\u2019t meant to substitute for a home inspection. VA recommends an inspection prior to purchase; these checks are more likely to find smaller problems that could grow into big ones, and most sellers are willing to discuss repair options (and costs) prior to a sale.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><b>2. Guarantee your future home\u2019s condition. <\/b>While VA loans can be taken out on property before the home is built, and while VA does require certain safeguards from the builder to ensure proper construction, there is no mechanism for VA to \u201ccompel the builder to correct construction defects or otherwise live up to the contract,\u201d per VA guidance. Any punishment the builder faces would come in the form of an inability to participate in future VA-backed projects.<\/p>\n\n\n\t<aside class=\"smg-interstitial-link wp-block-smg-interstitial-link\">\n\t\t<a href=\"https:\/\/one.sightlinemg.com\/militarytimes\/home-hq\/va-loan-center\/2017\/11\/13\/common-va-loan-myths-and-the-facts-to-set-them-straight\/\" class=\"smg-interstitial-link__inner\">\n\t\t\t\t\t\t\t<div class=\"smg-interstitial-link__media\">\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/one.sightlinemg.com\/wp-content\/uploads\/2026\/08\/House-for-sale-1.jpg-1.jpg?w=300\" class=\"smg-interstitial-link__image wp-post-image\" alt=\"\" \/>\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"smg-interstitial-link__content\">\n\t\t\t\t<span class=\"smg-interstitial-link__kicker\">Related<\/span>\n\t\t\t\t<h3 class=\"smg-interstitial-link__title\">Common VA loan myths, and the facts to set them straight<\/h3>\n\t\t\t\t\t\t\t\t\t<p class=\"smg-interstitial-link__excerpt\">Service members, veterans should check out VA home loan benefits, even if they&#039;ve heard horror stories about wait times or other problems.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/a>\n\t<\/aside>\n\t\n\n\n<p class=\"wp-block-paragraph\"><b>3. Guarantee your investment.<\/b> While VA requires appraisals to track a home\u2019s value, market forces are outside the agency\u2019s control.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><b>4. Offer legal aid.<\/b> While the agency has programs that can assist veteran borrowers in <a href=\"https:\/\/www.militarytimes.com\/home-hq\/va-loan-center\/2018\/01\/05\/struggling-to-meet-the-mortgage-va-may-offer-help\/\" target=\"_blank\">avoiding foreclosure<\/a> and dealing with other loan-related issues, the agency won\u2019t field advocates on your behalf.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Now that you know the limitations, visit our <a href=\"https:\/\/www.militarytimes.com\/home-hq\/va-loan-center\/\" target=_blank>VA Loan Center<\/a> for more on what a VA-backed loan can offer.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Looking for an investment guarantee? A foolproof inspection? A legal team? Keep looking.<\/p>\n","protected":false},"author":7,"featured_media":53646,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_acf":"","_yoast_wpseo_primary_category":9,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","_smg_distribution_targets":[]},"categories":[9,28],"tags":[],"coauthors":[787],"class_list":["post-66496","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-hq","category-va-loan-center"],"acf":{"subheadline":"","legacy_arc_id":"TOJ3VJSL2RFQXID7LVBRIPD5V4","arc_canonical_url":"\/home-hq\/va-loan-center\/2018\/04\/19\/borrower-beware-4-things-va-loans-cant-do\/","remove_feature_photo":false,"is_sponsored":false,"subtype":"home-hq-layout","redirect_url":"","disable_inline_ads":false,"native_logo_pretext":"Presented By:"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.0 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Borrower beware: 4 things VA loans can\u2019t do - Army Times<\/title>\n<meta name=\"description\" content=\"Looking for an investment guarantee? 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