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Single Family Homes

Find out how the VA program works with single family homes.


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Single Family Homes

What is a Single Family Home?

 A single-family home is a standalone residential structure designed to accommodate a single household. This is most common type of home we finance through the VA program.Typically, it consists of one unit, providing private living space for a family. These homes come in various architectural styles, ranging from the classic charm of Colonial houses to the modern simplicity of contemporary designs. A quintessential single-family home includes essential features like bedrooms, bathrooms, a kitchen, living spaces, and may also incorporate additional amenities such as a backyard, garage, or porch. The layout and size can vary, catering to the diverse preferences and needs of homeowners. Whether it’s a cozy Cape Cod with dormer windows or a sprawling ranch with an open floor plan, single-family homes offer individuals and families a sense of privacy, ownership, and a place to create lasting memories.


  • Privacy: More space and privacy than most other properties, so you’re less likely to have to deal with neighbor annoyances. There aren’t any shared yards or walls which reduces noise pollution.
  • Flexibility: More flexibility to build, alter or modify. You have the option to remodel or build onto the property without having to deal with approval from neighboring units.
  • Less restrictions: Less restrictions especially if your property is not in a Planned Unit Development or PUD. You have free range to build, modify, or remodel the property if it meets state and local building codes. However, be mindful that you might run into less considerate neighbors without any restrictions.
  • Higher resale value: A single family home has a higher resale value and greater chance of appreciating value compared to most other properties.


  • Cost: The initial cost of purchasing a single family home can be high, and ongoing expenses such as property taxes, insurance, and maintenance can be significant.
  • Maintenance: As a homeowner, you are responsible for all maintenance and repairs on the property, which can be time-consuming and costly.
    Risk of market fluctuations: The value of your home can be affected by market fluctuations, and if the housing market drops, you could lose money on your investment.
  • Limited mobility: As a homeowner, you are tied to a specific property, which can limit your mobility if you need to move for work or other reasons.
  • Responsibility: Owning a home can be a big responsibility, it requires regular maintenance, cleaning, and repair work.
    Lack of amenities: Single-family homes may lack the amenities that apartments or condos offer, such as a gym, pool or laundry room.
  • Isolation: You may feel isolated living in a single-family home, especially if you are used to living in a more densely populated area.
  • Limited rental potential: If you’re looking to rent out your home, single-family homes may not be in as high demand as apartments or condos.

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Gray House

Very few restrictions

Financing a single-family home with a VA loan comes with remarkably few restrictions. As long as the property satisfies the VA’s minimum property requirements with safety and soundness there are very few hurdles to financing this property type.

We understand that the home buying journey can be an overwhelming process, which is why we recommend that you obtain preapproval before making any significant decisions. At our company, we make the preapproval process easy and hassle-free. You can apply online or give us a call, and our friendly staff will ensure you have the right information and guidance to secure financing for your dream home.

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