NO FHA OR VA...Beautifully upgraded, real nicly finished. Wood flooring and moldings thru-out Top of the line kitchen, granite counter tops and tumbled marble back splash, and high end stainless appliances with double oven with microwave and warming drawe r. Their is a pot filly faucet above the stove and moveable center island. baths are both upgraded. Must see fotos. Working fire place and a huge 50x17 screened patio.