30 year loan forced to become 25 year loan

[Chase Kimbrell]

Just got a call from my realtor who was told by my lender (who tried to call but I was unavailable at the time) that the VA Loan Appraiser for my house said that the roof wouldn't last for more than 25 years, and that the lender's underwriters couldn't justify giving me a 30 year loan, just a 25 year loan. The extra amount I'll pay is only about $80 more, so I don't mind paying it. This is all in spite of the fact that the roof was replaced 3 years ago. Has anyone here seen a situation like this? If so, should I proceed with caution on accepting the 25 year loan, or should I challenge the appraisal?