VA Loan Roof Requirements: A Comprehensive Guide for Homebuyers

Purchasing a home is likely one of the biggest financial decisions you’ll make in your lifetime. When getting a mortgage, especially a VA home loan the condition of the roof is a critical factor. The Department of Veterans Affairs (VA) has specific guidelines regarding roof requirements that aim to ensure the safety and soundness of the home.

In this comprehensive guide, we’ll break down everything you need to know about VA loan roof requirements.

Overview of VA Minimum Property Requirements

The VA has established Minimum Property Requirements (MPRs) that properties must meet to be eligible for a VA-guaranteed loan. These requirements help guarantee the home is structurally sound, safe, and sanitary. Roof condition is a key aspect of these standards.

Some key things to know about MPRs:

• They aim to ensure Veteran homebuyers aren’t stuck with properties that have significant defects or pose safety hazards

• VA appraisers will note any repairs needed for the property to meet MPRs.

• Minor cosmetic issues or normal wear and tear typically aren’t flagged.

• For new construction, builders must submit documentation that any potential hazards have been addressed in the engineering design.

What are the Specific Roof Requirements?

The VA’s roof requirements focus on two primary objectives:

1. Preventing Moisture

This is the most critical priority. The roof must effectively prevent moisture intrusion into the home.

• It should be free of leaks or any conditions that could lead to leaks in the future. This ensures a dry, habitable space.

2. Reasonable Future Use and Maintenance

• The roof should have significant useful life remaining before needing replacement. The VA doesn’t want homebuyers stuck with roofs needing costly repairs or replacement soon after purchase.

• It should be durable enough to withstand typical environmental factors like rain, snow, and wind.

• When maintained properly, it should provide reasonable future utility without demanding frequent upkeep or expenses.

Let’s explore what this entails.

Age Requirements

Unlike conventional loans, the VA has no set maximum age for roofs. The age itself isn’t a deal breaker.

Instead, appraisers assess remaining useful life on a case-by-case basis. They’ll consider the roof’s current condition and note any issues that may impact its ability to meet the VA’s standards.

For example, a 10-year-old roof with significant curling, cracking, and leakage may require full replacement. Meanwhile, a properly maintained 20-year-old roof may have considerable useful life left.

The key is whether the appraiser deems it has reasonable future utility based on its current state. Routine maintenance and minor repairs can prolong a roof’s lifespan.

Common Problems Flagged During Appraisals

VA appraisers are trained to look for deficiencies that impact the roof’s ability to prevent moisture intrusion and provide reasonable future use. Here are some of the most common red flags:

• Existing leaks: Any current moisture issues or stains indicating prior leaks.

• Potential for leaks: Conditions that could allow leaks in the future, like damaged or missing shingles.

• Improper layers: Typically no more than two layers are allowed. Removing all layers down to the roof deck will be required if there are already three or more layers.

• Inadequate drainage: Standing water can seep through and cause decay. Signs include ponding, clogged gutters, or insufficient slope.

• Ventilation issues: Moisture buildup shortens roof life. Proper attic ventilation is key.

• Materials shrinkage: Certain materials shrink over time, leaving gaps or cracks that allow water intrusion.

• Weathering damage: Curled, cracked, blistered or missing shingles. Also be aware of issues like hail damage.

• Flashing deficiencies: Corroded, loose or missing flashing can lead to major moisture issues.

• Roof sagging: A sign of potential structural weakness that demands further inspection.

If an appraiser flags any deficiencies requiring repair, the home must meet MPRs before closing on a VA loan.

Roof Inspections Recommended

VA appraisals aren’t as comprehensive as professional roof inspections. While appraisers won’t climb on the roof or perform exhaustive testing, inspectors examine every inch of the roof and use specialized tools to identify subtler issues.

Inspectors check for:

• Surface damage
• Leaks
• Moisture buildup
• Ventilation
• Flashings
• Drainage
• Material defects
• Compliance with local codes

They’ll also address any questions or concerns you may have about your prospective roof.

Though not required, a roof inspection can provide invaluable peace of mind and potentially prevent hassles after moving in. Many homebuyers consider it a wise investment.

Special Cases

New Construction

For new construction, builders must submit documentation that any potential structural or geological hazards have been addressed in engineering plans.

This includes things like soil stability issues that could impact the integrity of the foundation and roof.

Inaccessible Roofs

In rare cases like heavy snow accumulation, the roof may not be visible during the appraisal.

If unable to physically access the roof, appraisers must provide a reasonable explanation and use alternatives like interior inspections for moisture issues. They may also request documentation about the roof’s age and conditions.

The appraisal can still be completed, but lack of roof access may warrant extra diligence on your part.

Rural Properties

The VA aims to protect homebuyers while also understanding rural markets may have different development standards.

For rural homes, the guidelines focus on safety and soundness rather than requiring upgrades to meet urban standards.

While rural properties must still meet roof MPRs, there may be more flexibility if materials like wood shakes are common for the area. Context is important.

How Roof Requirements Impact the Appraisal

MPRs like the roof requirements help appraisers determine the property’s condition and remaining useful life. This directly impacts their valuation.

If the appraiser notes roof deficiencies requiring repair, the appraisal will be “Subject to Completion of Repairs.” This means the identified repairs must be completed prior to closing.

Only once the roof meets VA standards will the final value be issued, allowing for loan approval.

Repair Requirements After Appraisal

If repairs are needed, the appraiser must provide:

• Specific details of the required corrections
• Contributory value of repairs toward the overall property value
• Reasonable timeframe for completion

For minor issues, the appraiser may recommend a qualified professional assess and perform repairs. More extensive problems will need licensed contractors.

Failure to complete the specified repairs on time could jeopardize loan approval. Carefully review all requirements.

How Much Do Roof Repairs or Replacement Cost?

Costs vary dramatically based on factors like roof type, size, location and extent of damage.

As a general guideline, roof repair costs range from $200-$500+ for minor fixes. Partial replacements may run $2,000-$8,000. Full roof replacement often exceeds $10,000.

Be prepared for the potential of unexpected roof expenses, especially on older homes. Many homebuyers opt to negotiate seller credits to help cover future costs.

Key Takeaways

The VA’s roof requirements are designed to protect you from safety issues and expensive repairs after purchasing a home. Keep these key points in mind:

• preventing moisture intrusion is the top priority

• remaining useful life is strongly considered

• minor wear and tear isn’t a concern

• inspectors examine every inch of the roof during appraisals

• repairs must be completed for loan approval if issues are found

• professional roof inspections are highly recommended

Understanding VA standards will help you buy a structurally sound, safe home with confidence. With a solid roof over your head, you can focus on making the most of your new home for years to come.