country home with old well and septic system

VA Loans

VA Loan Well & Septic Requirements

Buying a house with a VA loan is one of the best options you have as a qualified veteran or current servicemember. Interest rates are low, down payments are usually optional, and the application process is easier to navigate.

However, just qualifying for the loan isn’t the only thing you need to worry about. The property you’re interested in also has to satisfy VA loan requirements before your lender will issue financing. Not only does the property have to be in livable condition, but it also has to have working features like electricity, heat, plumbing, and secure windows.

So, what are the requirements if you’re buying a house with a well and septic system?

The Well Must Pass a Water Test

Before the lender will issue you the loan, you’ll need to get the well tested by a licensed inspector. This test will check the water for any unsafe contaminants like heavy metals, chemicals, and other issues.

If the inspector discovers anything of concern, they’ll help you figure out if the well can be treated. If not, you’ll need to look for a different property. Remember, running water that’s safe to drink is one of the key VA loan requirements.

You’ll Need to Get the Septic System Inspected

If your home is connected to a septic system rather than city sewer, you’ll need to get the system inspected. The tank should be in good condition and the leach field should drain properly and not be compacted. If there are any issues, the inspector will let you know what needs to be done to make the system safe.

What Happens if the Property Doesn’t Pass?

If the property doesn’t pass the VA loan requirements during the inspection and appraisal, you’ll need to negotiate repairs with the seller. They may be willing to fix the problems before you buy the property, thereby satisfying the VA loan requirements. If they refuse to fix the problems, you’ll need to look for a different property. 

Explore Your Financing Options

Though using a VA loan is a great choice, it’s not your only option and if you’ve found a home that doesn’t pass the VA loan requirements, you’ll need to look at other loans if you wish to proceed. Contact our team to discuss your options and your financial situation today. We’ll help you find the best loan for your unique situation so you can get into the home of your dreams quickly.