Ann Ryan

Sales Associate


Make your dream a reality.  It has been my privilege to help military families buy the home of their dreams using a VA loan.  Here are a few of my thoughts regarding buying with a VA loan.

1) Where to Buy? In 20016, hundreds of buyers bought using a VA loan including a few of my clients.  It may not be easy to find a seller who wants to accept a VA offer, but it is possible.  Here's a map of VA closed deals from July - December 2016.

July-December VA closings

2) Getting Qualified You want to make sure you use a loan officer who has CLOSED VA deals, and understands their standards.   If you don't have a preapproval or just want a second opinion, I would be happy to put you in contact with a qualified loan officer.

3) Appraisal  Like any home purchase involving a loan, the bank will evaluate the property's value in the appraisal process.  In my experience, a VA loan is just as likely to come in at the correct value as any other loan.  In fact, VA is the only loan program that allows listing agents to provide additional materials if the initial numbers come in low, giving you two chances to get he value correct.  In fact, the only appraisal I had in 2016 that was really low was a high down payment conventional loan, and we couldn't convince the appraiser to correct his mistake! 

4) Condition  The VA wants purchasers to buy homes in good shape.  I'll be helping to look for issues - the age of the roof, structural problems, plumbing issues, etc.  The inspection you do will also help you determine if it's actually a home you want to buy.

5) Termites You will need to do a separate termite inspection within 30 days of closing in order to close the VA loan.  If termites do turn up there are ways to treat the property to eliminate them.

6) Condos/Townhomes  It is much easier to buy a single family home than a townhouse or condo.  Even if VA technicilly could approve the loan, many associations don't want to approve a low down payment applicant.  But why reinvent the wheel?  Here's a list of communities that have approved a VA loan in 2016!


Miami-Dade County   Broward County
Baywinds At Galapagos   Addison Court
Blue Lagoon Condo   Ambassador Square
Cali Greens   Antigua
Calusa Point   Apple Creek
Caribe Lakes   Arbor Courts
Carmel California Club   Arrow Head Golf & Tennis
Century Breeze   Arrowhead
Century Gardens   Arrowhead Golf
Century Gardens Villas   Artesia
Chardonnay   Avalon
Charter Club Condo   Banyan Lakes
Cindi's Place   Bayberry Lakes
Cite Condominium   Bayview Village
Cloverleaf Gardens Sec   Beach Club Tower One
Club La Costa   Bella Villagio
Corners Of Kendall Lakes   Bridgewater
Costa Dorada   Bridgewater Condo
Courts At Tuscany   Camelot Lakes Phase Ii
Devon Aire Villas Sec 1   Captiva
Doral Court   Cascada At Monterra
El Dorado   Cascada Isle
Esprit   Cascada Isles At Monterra
Fiji Condo No 3   Catalina Isles
Florence At Crystal Lakes   Cedarwood
Forest Lake   Cedarwoods
Isla Del Mar Condo   Chelsea One
Isle Of Bayshore   Chelsea Plac
Jasmine   Cimarron
Kendall Breeze   Cimarron
Killian Pines Townhouses   Cobblestone
Lakes By The Bay   Cobblestone
Lakes By The Bay Cee   Cobblestone
Lakes By The Bay Gee   Coconuts @ Bonaventure
Lakes By The Bay Jay   Coral Palm Village
Lakeshore   Coral Ridge
Las Brisas At Doral   Cypress Bend
Las Cascadas   Cypress Bend
Lejeune Place Condo   Cypress Bend
Majorca Isles Iv Condo   Cypress Bend
Majorcas Condo   Cypress Bend
Mandarin Lakes   Cypress Chase
Marbella Cove   Cypress Glen Townhomes
Mirador 1200 Condominiums   Cypress Glen Townhomes
Mirador East   Cypress Glen Townhouses
Misty Lake   Cypress Grove
Oak Hammocks   Cypress Walk
Oak Hammocks Townhomes   Cyress Bend Condos
Parc Central   Dahlia
Pent   Dania Woods Townhomes
Place Royale   East Lake
Royal Green Condo   Eastside Village
Sandcastle   Edgewater Village
Silver Palms   Embassy Courts
Snapper Creek Townhouses   Evergreen Lakes
Sunset Harbour Hoa Inc.   Fairway Isles
The Mirador North   Fairway Isles
The Palm Point   Fairways
The Plaza On Brickell   Fiesta
The Preserve   Flamingo Gardens
The Waterways   Flamingo Villas
Towngate   Forest Lake
Trail Run   Garden Patio Villas
Trellis At Bayshore   Gardens At Bonaventure
Venezia Lakes   Gardens North #10
Ventura At Malibu Bay   Georgetown
Villas At Trade Avenue   Gingerwood Place
Walden Park   Glenwood Cort Townhomes
Wilshire Condo   Grand Palms - Las Verdes
Woodgate   Hamlet At Coral Springs
    Hampton Hills
    Hampton Hills
    Hampton Hills
    Hampton Townhomes
    Harbor Vista
    Hollywood Gardens
    Independence Bay
    Kings Point
    La Victoria Park Estates
    Lakeview Court
    Landings On Welleby Lake
    Lofts Of Wilton Manors
    Madison Place
    Malibu Bay
    Malibu Bay
    Maple Run
    Mews At Arrowhead
    Monarch Lakes/Harbor Lake
    Mont Carlo
    Montclaire Condo
    Monte Carlo
    Nautica-Sunny Isles
    New Construction Townhome
    Oakland Forest Club
    Ocean Boulevard Park
    Old Progresso Villiage
    Omega Villas #3 Condo
    Optima Village
    Orchid Grove
    Palm Aire Village
    Palm Isle - Racquet Club
    Paloma Lakes
    Paloma Lakes
    Paloma Lakes
    Pembroke Cay
    Pembroke Pointe North C 1
    Pier Pointe East 1
    Pierpointe East
    Pierpointe Two
    Pines West
    Plantation Trace
    Plantation Trace
    Players Place
    Players Place Seven
    Plum Harbor
    Plum Harbor
    Racquet Club Apt
    Raintree Villas
    Riverside Townhomes
    Royal Park Condo
    Saddle Bridge
    Saddle Bridge
    Saddle Bridge
    Sailboat Pointe Condo
    San Remo
    Santa Monica
    Santorini At Vizcaya
    Sea Oaks
    Seminole Forest
    Sherbrooke Townhomes
    Sienna Club
    Somerset Cove At Vizcaya
    Southbridge West
    Southbridge West
    Stirling Pointe
    Sun Harbour
    Sunrise Lakes Phase Iii
    Sunrise Manor South
    The Danians
    The Lakes
    Townehomes Of Deer Creek
    Townhomes Of Oriole
    Valencia Village
    Villa Escondida
    Village At Lake Pine
    Village At Pine Lake Ii
    Village Coral Lake
    Village Walk
    Village Walk
    Waterford Courtyards
    Waterford Isles
    Waterside Villas
    Wedgewood Condo
    West Lake Village
    West Lake Village-Corner
    Wildwood Of Deer Creek
    Wimbledon Townhouse
    Woodlake Villa