New Construction vs.
Historic Homes in Oklahoma City: Pros & Cons for VA Buyers
Tyler Howat
12/19/25
5 minute read
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When Veterans and Active Duty service members shop for a home in Oklahoma City, one of the biggest decisions is choosing between new construction and historic properties. Both offer unique benefits,
and both come with trade-offs—especially when using a VA loan. Below is a clear breakdown
to help VA buyers decide which option best fits their lifestyle, budget, and long-term goals.
New Construction Homes
Pros for VA Buyers
Easier VA Loan Approval
New construction homes typically meet modern building codes and safety standards, which often makes
the VA appraisal process smoother. Updated electrical systems, plumbing, roofing, and HVAC reduce the
likelihood of appraisal-related delays.
Lower Maintenance Costs
Everything is brand new, which means fewer unexpected repairs in the early years of ownership.
This is especially appealing for veterans who prefer a move-in-ready home or have demanding schedules.
Modern Layouts and Energy Efficiency
Open floor plans, newer insulation, energy-efficient appliances, and smart-home features can help
lower monthly utility costs while improving comfort.
Builder Incentives
Some builders offer closing cost assistance, upgrades, or warranties that can complement VA loan benefits
and reduce out-of-pocket expenses.
Cons for VA Buyers
Higher Purchase Price
New construction often comes at a premium, particularly in desirable areas or growing suburbs of Oklahoma City.
Limited Negotiation
Builders may be less flexible on pricing in competitive markets, though incentives can sometimes offset this.
Less Character
While functional and modern, many new builds lack the architectural charm found in older neighborhoods.
Historic Homes
Oklahoma City is home to several historic neighborhoods such as Heritage Hills and Mesta Park,
known for their charm, walkability, and proximity to downtown.
Pros for VA Buyers
Unique Character and Architecture
Historic homes often feature original woodwork, custom details, and architectural styles that are difficult
to replicate today.
Established Neighborhoods
Mature trees, larger lots, and well-established communities are common in historic districts.
Long-Term Value Potential
Well-maintained historic homes in desirable areas often hold value and can appreciate well over time.
Cons for VA Buyers
VA Appraisal and Condition Requirements
The VA has minimum property requirements related to safety, structure, and livability. Historic homes
may require repairs or updates before they can qualify for a VA loan.
Higher Maintenance Costs
Older systems such as plumbing, electrical, and roofing can lead to higher ongoing maintenance expenses.
Renovation Challenges
Repairs and upgrades may be more expensive due to specialized materials or preservation guidelines
in historic districts.
VA Loan Considerations for Both Options
VA loans offer powerful benefits, including zero down payment options, no private mortgage insurance, and competitive interest rates. However, the VA appraisal focuses on the home’s condition and safety,
not just its market value.
New construction homes typically pass VA appraisals with fewer issues, while historic homes may require early inspections, negotiated repairs, or escrowed improvements to meet VA standards. Having a knowledgeable agent is critical to navigating these requirements smoothly.
Which Option Is Right for You?
If your priority is a move-in-ready home with minimal repairs and a smooth VA appraisal, new construction may be the better fit. If you value character, location, and long-term charm—and are prepared for potential maintenance—historic homes can be an excellent choice.
Oklahoma City offers strong options for both, making it a great market for VA buyers with diverse preferences.
How VA Home Team OKC Helps Veterans
Choosing between new construction and a historic home is not just a personal decision—it is also a financial
and strategic one when using a VA loan. VA Home Team OKC specializes in helping Veterans and Active Duty service members fully utilize their VA benefits. From identifying VA-friendly builders to navigating VA appraisals on historic homes, the team provides expert guidance every step of the way.
Whether you are looking for a low-maintenance new build or a character-filled historic home,
VA Home Team OKC helps veterans find the right home for their lifestyle while maximizing the benefits
they have earned through service.
FAQ
Who qualifies for a VA loan?
Most active duty service members, veterans, and some surviving spouses may qualify.
Do I need perfect credit to use a VA loan?
Not at all. VA loans offer flexible credit guidelines compared to most loans.
What does “$0 down” really mean?
You may be able to purchase a home without a down payment if you qualify.
How long does the VA homebuying process take?
Typically 30–45 days, depending on how quickly things move.
Is it really possible to buy with $0 out of pocket?
Yes, especially if the seller covers closing costs and you’re eligible for no down payment.
Do I have to use a specific lender?
No—you can work with any VA-approved lender of your choice.
Can I use my VA loan benefit more than once?
Yes! You can reuse it multiple times if you meet the requirements.
Are there any extra fees with a VA loan?
There’s a VA funding fee, but many buyers roll it into the loan.
Can I buy a fixer-upper with a VA loan?
Sometimes—homes must meet minimum condition requirements.
How do I get started?
Click “Get Started” and we’ll walk you through everything step by step.