VA and FHA Loans, Property Qualifications

[Sammie J. Bell]

What qualifies a property to be approved for an FHA or VA loan? My loan officer told me that it is up to the realtor to decide if a property qualifies for either. The buyer's realtor says that the property won't qualify for VA, my realtor says that it would. It only needs minor cosmetic repairs. Does anyone have any experience in purchasing VA or FHA properties? If so, can you shed some light on your experience?