How to Use Your VA Loan to Buy a Fixer-Upper in Reno

Buying a home that needs a little love can be a smart way to stretch your housing budget, especially in Reno where move-in-ready homes can come with premium price tags. The good news? Your VA loan can work for you here,  if you understand the process.

1 | Know what the VA will and won’t allow
The VA wants safe, sound, and sanitary. That means a roof that doesn’t leak and heating that actually works. Cosmetic fixes, old carpet, dated kitchens,  are fine. Major structural issues aren’t.

2 | Use a VA Renovation Loan
There’s a version of the VA loan that allows you to roll in minor repair or improvement costs. Not every lender offers it, so partner with one who’s experienced with Reno properties.

3 | Get contractor bids early
You’ll need written bids before closing so the lender can approve the repair budget.

4 | Lean on your agent
I work closely with lenders and contractors who understand the VA process. We’ll make sure the appraisal and repair timeline stay on track so you don’t lose your dream deal.

Thinking of buying a home that needs elbow grease but wondering if it’s VA-eligible? Let’s chat through your options before you start shopping.

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Shannon Root, Realtor®  
Real Broker LLC | NV Lic. S.191474  
Real Talk • Real Results • Real Estate  
📞 775-771-5305 | ✉️ shannon@biggestlittleagent.com