Getting a VA Loan in a Rural Area

Many people who are eligible for Veterans Administration subsidized loans, such as retired career military officers and those who have been injured in the course of military service, seek the benefits of rural living. The clean air and quiet lifestyle of rural America is very suitable to someone who has experienced the constant moves and stress of a military life, to say nothing of being very calming for those who have had to participate in the horrors of war.

Obtaining a VA loan for a rural property, whether it is a quiet little lakeside cottage for retirement or a small farm for an organic farming venture, is just a matter of making sure the property and the applicant meet the standards for VA financing. Some applicants for VA financing in rural areas prefer to use the services of a broker or consultant. This can streamline the process, so long as the consultant is truly dedicated to serving clients and has the knowledge to determine whether a property really is eligible for VA financing before the applicant actually begins the application process.

The best place to turn to find out about how to obtain a VA loan for rural property is a military support organization. Disabled American Veterans specifically assists veterans who have been wounded in service, regardless of whether they remain disabled, with any issues concerning veterans' benefits. Paralyzed Veterans of America offers the same services to mobility-impaired veterans. Veterans who do not fall under the categories of those served by these two highly reputable organizations are advised to contact the Veterans Administration directly, either online or via their local office, to find the name of a veterans' association or representative who can recommend a consultant to help them through the process of obtaining VA financing for rural property. The local office of the Congressman (Representative) for the district in which the property is located may also be of assistance. Worship groups or fraternal orders in the area are also excellent sources of professional recommendations. Applicants should beware of online offers for loan assistance that demand up-front payments or charge excessive brokerage fees, as many such offers are nothing but fraudulent activity.

Most importantly, a veteran who is considering rural life should familiarize himself with the area he is considering to make sure he will not feel overly isolated. While the prospect of a quiet rest, or a quiet second career as an organic farmer or horticulturalist may seem attractive at first, it may also be just a bit too quiet for military veterans who have experienced even peacetime service in cosmopolitan settings in the US or abroad.