You referring to a VA mortgage? I had a VA mortgage many years ago for a home that had no stove/oven. We just bought one ourselves after closing. So I'm sure not having a refrigerator should be no issue.

a refrig is NOT part of real estate - the house doesn't have to have any appliances - that's all personal property

No. Appliances are not considered a part of the house unless it is designed for built-in appliances (stovetop, etc.). Refrigs are not built-in appliances.

Nope. Appliances are not required to be present.

No.

No.