{"id":39591,"date":"2024-05-04T12:02:23","date_gmt":"2024-05-04T08:02:23","guid":{"rendered":"https:\/\/www.miamiherald.com\/banks\/?p=39591"},"modified":"2024-08-18T19:18:03","modified_gmt":"2024-08-18T15:18:03","slug":"va-loan-inspection-requirements","status":"publish","type":"post","link":"https:\/\/www.miamiherald.com\/banks\/mortgage\/va-loan-inspection-requirements\/","title":{"rendered":"VA Loan Inspection Requirements: 2024 Checklist"},"content":{"rendered":" <p class=\"wp-block-paragraph\">Before you can <a href=\"https:\/\/www.miamiherald.com\/banks\/mortgage\/va-loan-mobile-home\/\">buy a home with a VA loan<\/a>, it must meet what\u2019s referred to as Minimum Property Requirements (MPRs). In case you\u2019re unfamiliar with the guidelines, this guide provides an overview of what to expect during the inspection. It also provides guidance on how to move forward if the property you wish to purchase does not check all the boxes. <\/p> <h2 class=\"wp-block-heading\" id=\"h-overview-of-va-loan-inspection-requirements\">Overview of VA Loan Inspection Requirements<\/h2> <p class=\"wp-block-paragraph\">VA loan inspections, which are part of the VA appraisal, are completed to confirm the home is: <\/p> <ul class=\"wp-block-list\"> <li>Free of health and safety hazards<\/li> <li>Free of pest infestations or mold<\/li> <li>Structurally sounds with a strong foundation, roof and walls <\/li> <\/ul> <p class=\"wp-block-paragraph\">You\u2019ll spend between $300 and $500 to have it completed.<\/p> <h2 class=\"wp-block-heading\" id=\"h-the-importance-of-inspection-in-va-loans\">The Importance of Inspection in VA Loans<\/h2> <p class=\"wp-block-paragraph\">Borrowers deserve homes that are safe, livable and worth the investment. That\u2019s why the VA doesn\u2019t stop at the standard home appraisal used to assess the property\u2019s market value. Instead, the VA appraiser must also confirm the home adheres to the <a href=\"https:\/\/www.miamiherald.com\/banks\/mortgage\/va-home-loan-requirements\/\">VA\u2019s minimum property requirements<\/a> to help safeguard your health and financial investment. <\/p> <h2 class=\"wp-block-heading\" id=\"h-how-does-a-va-loan-inspection-differ-from-other-loan-inspections\">How Does a VA Loan Inspection Differ from Other Loan Inspections?<\/h2> <p class=\"wp-block-paragraph\">When you <a href=\"https:\/\/www.miamiherald.com\/banks\/mortgage\/va-home-improvement-loan\/\">apply for a traditional mortgage<\/a>, an appraisal is required, but it\u2019s only done to assess the property\u2019s market value. Lenders generally don\u2019t require a home inspection, though, so you\u2019ll have to request one on your own to determine if the property\u2019s condition is satisfactory. <\/p> <p class=\"wp-block-paragraph\">However, as previously mentioned, the VA\u2019s appraisal process is a bit more involved. The appraiser must review the home and create a detailed report indicating that it meets the MPRs and that the property is safe, sanitary, and structurally sound. <\/p> <h2 class=\"wp-block-heading\" id=\"h-what-to-expect-during-the-inspection-process\">What to Expect During the Inspection Process<\/h2> <p class=\"wp-block-paragraph\">A licensed VA-assigned appraiser will show up to the property and evaluate it to ensure it meets the MPR. Here\u2019s a step-by-step breakdown of what to expect during the VA appraisal process: <\/p> <ul class=\"wp-block-list\"> <li><strong>Step 1:<\/strong> Your lender will order a home appraisal through the VA\u2019s online system. <\/li> <li><strong>Step 2: <\/strong>During the appraisal, the VA-approved appraiser assesses the home to determine its fair market value and ensure it meets the MPRs.<\/li> <li><strong>Step 3: <\/strong>Once the appraisal is complete, you will receive a detailed report indicating whether the home meets VA standards. <\/li> <li><strong>Step 4: <\/strong>If the report notates issues with the home, they must be rectified before the lender will approve the mortgage. <\/li> <\/ul> <h2 class=\"wp-block-heading\" id=\"h-how-long-does-the-va-loan-appraisal-usually-take\">How Long Does the VA Loan Appraisal Usually Take?<\/h2> <p class=\"wp-block-paragraph\">The appraisal process generally takes one to two weeks to complete. Again, it\u2019s different from the standard home inspection, but the VA-approved appraiser doesn\u2019t inspect the home to determine if it meets the MPRs. <\/p> <h3 class=\"wp-block-heading\" id=\"h-appraisal-vs-inspection\">Appraisal vs. Inspection<\/h3> <p class=\"wp-block-paragraph\">An appraisal determines the property\u2019s market value and certifies that it meets MPRs. By contrast, a home inspection provides a more in-depth review of the property\u2019s condition. VA loans require a professional appraisal, while home inspections are suggested but not mandatory. <\/p> <h2 class=\"wp-block-heading\" id=\"h-detailed-aspects-of-va-loan-appraisals-2024-checklist\">Detailed Aspects of VA Loan Appraisals: 2024 Checklist<\/h2> <p class=\"wp-block-paragraph\">Below is a closer look at what VA-approved appraisers are looking for: <\/p> <h3 class=\"wp-block-heading\" id=\"h-mechanical-systems\">Mechanical Systems<\/h3> <p class=\"wp-block-paragraph\">Home mechanical systems, such as heating, plumbing and electrical systems, must be safe, sound and fully operational. This ensures that the house is habitable and <a href=\"https:\/\/www.miamiherald.com\/banks\/mortgage\/va-loan-occupancy-requirements\/\">meets the occupants\u2019 basic needs<\/a>. Any issues with these systems must be addressed before the property can be approved.<\/p> <h3 class=\"wp-block-heading\" id=\"h-heating\">Heating<\/h3> <p class=\"wp-block-paragraph\">The home must have an adequate heating system that is capable of maintaining a comfortable temperature during cold weather. This is crucial for the safety and comfort of the residents. The system should be in good working order and compliant with local building codes.<\/p> <h3 class=\"wp-block-heading\" id=\"h-water-supply\">Water Supply<\/h3> <p class=\"wp-block-paragraph\">A safe and potable water supply is essential for any home. The property must have a reliable source of water that is free from contaminants. This requirement ensures that the occupants have access to clean water for drinking, cooking and bathing.<\/p> <h3 class=\"wp-block-heading\" id=\"h-sanitary-facilities\">Sanitary Facilities<\/h3> <p class=\"wp-block-paragraph\">The home must be equipped with an acceptable sewage disposal system, whether connected to a municipal sewer or a private septic system. Proper sanitation facilities are a key component of a livable home, and they are important for maintaining hygiene and preventing health hazards.<\/p> <h3 class=\"wp-block-heading\" id=\"h-roofing\">Roofing<\/h3> <p class=\"wp-block-paragraph\">The home\u2019s roof must be free of leaks and in good condition. A structurally sound roof protects the home\u2019s interior from water damage and other weather-related issues. Any necessary repairs must be made to ensure the roof is watertight.<\/p> <h3 class=\"wp-block-heading\" id=\"h-crawl-spaces-and-basements\">Crawl Spaces and Basements<\/h3> <p class=\"wp-block-paragraph\">Crawl spaces and basements should be dry and free from water intrusion. Proper drainage and ventilation are necessary to prevent mold and structural damage. These areas should be inspected, and any issues should be rectified to meet VA standards.<\/p> <h3 class=\"wp-block-heading\" id=\"h-ventilation\">Ventilation<\/h3> <p class=\"wp-block-paragraph\">Adequate ventilation is required throughout the home to ensure a healthy living environment. Proper ventilation helps to control moisture levels and reduce the risk of mold growth. It also contributes to overall air quality within the home.<\/p> <h3 class=\"wp-block-heading\" id=\"h-electrical-systems\">Electrical Systems<\/h3> <p class=\"wp-block-paragraph\">The electrical systems in the home must be safe and adequate for modern use. This includes having sufficient outlets, proper wiring, and operational circuit breakers. Confirming the electrical system is up to code helps prevent potential fire hazards.<\/p> <h3 class=\"wp-block-heading\" id=\"h-lead-based-paint\">Lead-Based Paint<\/h3> <p class=\"wp-block-paragraph\">It is essential to ensure that homes built before 1978 are free from lead-based paint hazards. Lead exposure can be harmful, especially to children, so any lead paint must be properly managed or removed. This requirement helps protect the health of the occupants.<\/p> <h3 class=\"wp-block-heading\" id=\"h-access-and-encroachments\">Access and Encroachments<\/h3> <p class=\"wp-block-paragraph\">The property must provide safe and adequate access for the occupants. This includes confirming that there are no encroachments or legal issues that could impede access to the home. Clear and unobstructed pathways are essential for both daily living and emergency situations.<\/p> <h3 class=\"wp-block-heading\" id=\"h-property-location\">Property Location<\/h3> <p class=\"wp-block-paragraph\">The property\u2019s location must be free from hazards or adverse conditions that could affect the safety and well-being of the occupants. This includes being situated away from flood zones, landslide areas, and other environmental risks. The location should also be conducive to a healthy living environment.<\/p> <h3 class=\"wp-block-heading\" id=\"h-hazards-and-defective-conditions\">Hazards and Defective Conditions<\/h3> <p class=\"wp-block-paragraph\">The property must be free from any hazards or major defective conditions that could pose a risk to the occupants. This includes structural issues, pest infestations, and other safety concerns.<\/p> <h3 class=\"wp-block-heading\" id=\"h-non-residential-use\">Non-Residential Use<\/h3> <p class=\"wp-block-paragraph\">The property must be primarily intended for residential use. While some properties may have mixed-use zoning, the primary purpose should be to provide occupants with a safe and comfortable living space. Non-residential elements should not dominate the property.<\/p> <h3 class=\"wp-block-heading\" id=\"h-space-requirements\">Space Requirements<\/h3> <p class=\"wp-block-paragraph\">The home must provide adequate living space for the occupants. This includes sufficient bedrooms, bathrooms, and common areas to comfortably accommodate the household. Adequate space is essential for ensuring a good quality of life and meeting the residents\u2019 needs.<\/p> <h3 class=\"wp-block-heading\" id=\"h-health-and-safety\">Health and Safety<\/h3> <p class=\"wp-block-paragraph\">The property must meet all health and safety standards to ensure a safe living environment. This includes compliance with local building codes and regulations. A fundamental requirement for VA loan approval is ensuring that the home is free from health and safety hazards.<\/p> <h2 class=\"wp-block-heading\" id=\"h-common-challenges-and-how-to-overcome-them\">Common Challenges and How to Overcome Them<\/h2> <p class=\"wp-block-paragraph\">If there are deficiencies, you must address them, or the VA may not approve the loan. Here are some options: <\/p> <h3 class=\"wp-block-heading\" id=\"h-negotiating-repairs\">Negotiating Repairs<\/h3> <p class=\"wp-block-paragraph\">Contact the seller and tell them about the repairs that must be completed before the loan can be approved. Be sure to have the appraisal report handy as evidence, and share which items on the list are a priority. <\/p> <p class=\"wp-block-paragraph\">To keep the lending process moving, the seller may agree to make the repairs, offer a credit towards the repair costs or reduce the sale price. Otherwise, you can walk away without penalty. <\/p> <h3 class=\"wp-block-heading\" id=\"h-re-inspection-process\">Re-inspection Process<\/h3> <p class=\"wp-block-paragraph\">If the seller agrees to make the necessary repairs, a re-inspection is required to confirm they are correctly completed. The VA requires a re-inspection to help prevent future disputes if repairs aren\u2019t done properly, and in this case, the buyer can possibly request additional compensation. <\/p> <p class=\"wp-block-paragraph\">The re-inspection process is the final step to confirm that all agreed-upon repairs have been completed satisfactorily. After the seller has addressed the deficiencies, a re-inspection is conducted to verify the quality and completeness of the repairs. <\/p> <h2 class=\"wp-block-heading\" id=\"h-frequently-asked-questions-faqs-about-va-loan-inspection-requirements\">Frequently Asked Questions (FAQs) About VA Loan Inspection Requirements<\/h2> <div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1721203698632\"><strong class=\"schema-faq-question\">Do all VA loans require an inspection?<\/strong> <p class=\"schema-faq-answer\">No, <a href=\"https:\/\/www.miamiherald.com\/banks\/mortgage\/va-loan-manufactured-home\/\">VA loans<\/a> do not require an inspection, but an appraisal by a VA-approved appraiser is mandatory. It\u2019s done to determine the market value of the property and to confirm that it\u2019s safe, sanitary and structurally sound.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1721203708291\"><strong class=\"schema-faq-question\">What happens if the property fails the inspection?<\/strong> <p class=\"schema-faq-answer\">Properties must meet MPRs to qualify for funding. Any issues or failures are noted in the appraiser\u2019s report and must be addressed (through repairs or compensation) before the loan can close.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1721203729373\"><strong class=\"schema-faq-question\">Who is responsible for paying for the VA loan inspection?<\/strong> <p class=\"schema-faq-answer\">Again, the VA does not require an inspection, but the cost of the appraisal is covered by the buyer.<\/p> <\/div> <\/div> ","protected":false},"excerpt":{"rendered":"<p>Find out the VA loan inspection requirements you must meet before purchasing a home with a VA home loan and learn more about the process.<\/p> ","protected":false},"author":7,"featured_media":39854,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":true,"footnotes":""},"categories":[217],"tags":[],"class_list":["post-39591","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage"],"acf":{"zone_id":"322148","sponsored":false,"external_author":1943,"external_editor":39659,"not_show_feature_image":false},"featured_image_src":"https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2024\/05\/va-loan-inspection-requirements.jpg","author_info":{"display_name":"","author_link":"https:\/\/www.miamiherald.com\/banks\/author\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>VA Loan Inspection Requirements: 2024 Checklist | Miami Herald<\/title>\n<meta name=\"description\" content=\"Find out the VA loan inspection requirements you must meet before purchasing a home with a VA home loan and learn more about the process.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.miamiherald.com\/banks\/mortgage\/va-loan-inspection-requirements\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"VA Loan Inspection Requirements: 2024 Checklist\" \/>\n<meta property=\"og:description\" content=\"Find out the VA loan inspection requirements you must meet before purchasing a home with a VA home loan and learn more about the process.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.miamiherald.com\/banks\/mortgage\/va-loan-inspection-requirements\/\" \/>\n<meta property=\"og:site_name\" content=\"Miami Herald - Personal Finance\" \/>\n<meta property=\"article:published_time\" content=\"2024-05-04T08:02:23+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-08-18T15:18:03+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2024\/05\/va-loan-inspection-requirements.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/mortgage\\\/va-loan-inspection-requirements\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/mortgage\\\/va-loan-inspection-requirements\\\/\"},\"author\":{\"@type\":\"Person\",\"image\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/wp-content\\\/uploads\\\/2023\\\/11\\\/Allison-Martin.png\",\"name\":\"Allison Martin\",\"jobTitle\":\"Writer\",\"url\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/author\\\/allison-martin\\\/\",\"description\":\"&lt;p&gt;Allison Martin is a personal finance enthusiast and a passionate entrepreneur. 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