The VA Loan Purchase Process in Connecticut: What You Need to Know

images (1)

If you’re a veteran or active-duty service member looking to buy a home in Connecticut, a VA loan can be one of the most powerful tools available to you. These loans come with zero down payment, no private mortgage insurance (PMI), and competitive interest rates—but the process has its own set of rules and requirements. Here’s what you need to know about using a VA loan to purchase a home in Connecticut, including what the VA appraisal looks for and how to prepare for it.

Step-by-Step Guide to the VA Loan Process

1. Obtain a Certificate of Eligibility (COE): Your COE proves you meet the military service requirements for a VA loan. You can get it online through the VA website, through your lender, or by mail.

2. Connect with a VA-Approved Lender: Not all lenders offer VA loans. Make sure you work with one experienced in handling these transactions—they'll guide you through the paperwork and pre-approval process.

3. Get Pre-Approved: This step tells you how much home you can afford and strengthens your offer when you start house hunting.

4. Work with a Real Estate Agent Familiar with VA Loans: Some homes may not meet VA appraisal standards. An experienced agent can help you avoid properties that are likely to cause problems.

5. Find a VA-Eligible Property: You can buy a single-family home, condo in a VA-approved project, or even a multi-unit property (up to four units, as long as you occupy one).

6. Make an Offer and Sign a Purchase Agreement: Include a VA financing contingency to protect your earnest money if the home doesn't meet VA standards.

7. Order the VA Appraisal: Once under contract, your lender will order a VA appraisal—more on that below.

8. Underwriting and Closing: The lender reviews your file for final approval. Once cleared, you’ll head to closing and get the keys to your new home.

What Does the VA Appraisal Look For?

The VA appraisal is not just about determining value—it ensures the property meets the Minimum Property Requirements (MPRs) for safety, sanitation, and structural soundness. Here’s what the appraiser will assess:

General Safety and Condition

  • No major roof damage or leaks
  • No exposed electrical wires
  • All mechanical systems (HVAC, plumbing, electrical) must be in working order
  • Handrails on stairways
  • Functional windows and doors that lock securely

Water and Sanitation

  • Safe drinking water source (municipal or properly functioning well)
  • Proper drainage around the house
  • No standing water in crawl spaces or basements
  • Functional septic or sewer system

Heating and Electrical

  • Permanent heating source that can maintain a temperature of at least 50°F
  • Electrical system must be adequate and safe (no knob-and-tube wiring)

Pests and Termite Inspection

  • Homes in designated areas (including much of Connecticut) require a termite inspection
  • Any infestation or damage must be treated and repaired before closing

Roof and Structural Integrity

  • No active leaks
  • Remaining life expectancy of the roof should be reasonable (typically at least 3–5 years)
  • No significant foundation issues, bowing walls, or other major structural defects

Access and Utilities

  • Property must be accessible via a public or private road
  • Must have continuous access to utilities like electricity, water, and heat

Other Requirements

  • No peeling paint in homes built before 1978 (lead paint hazard)
  • No health or safety hazards (e.g., mold, asbestos, radon issues)
  • Property must be residential and suitable for occupancy

Pro Tips for Connecticut Buyers Using VA Loans

  • Be proactive: Choose properties that are move-in ready and meet VA standards to avoid delays.
  • Partner with a savvy agent: Work with someone experienced in VA deals who can flag potential appraisal issues before you even make an offer.
  • Prepare sellers: Let the listing agent know you’re using VA financing so they understand what’s involved.

Final Thoughts

Buying a home with a VA loan in Connecticut is absolutely doable, and it’s one of the best benefits available to those who’ve served. But the process comes with some unique steps—especially when it comes to the VA appraisal. With the right team and the right property, you’ll be well on your way to homeownership with zero down and major savings. Have questions about using a VA loan in Hebron, Glastonbury, Colchester, or anywhere else in central or eastern Connecticut? Reach out—I’d be honored to help guide you through it.