Home Inspections and VA Loans

Home inspections are an important part of the homebuying process, and they can also be relevant when obtaining a VA loan. A VA loan is a mortgage loan program offered by the Department of Veterans Affairs (VA) to eligible veterans, active-duty service members, and surviving spouses.

When using a VA loan to purchase a home, the VA does not require a home inspection as a condition for loan approval. However, it's highly recommended that buyers still opt for a home inspection for their own protection. A home inspection is a thorough examination of the property's condition, typically conducted by a professional home inspector.

Although a VA appraisal is required to assess the value of the property and ensure it meets the VA's minimum property requirements (MPRs), it is not a substitute for a comprehensive home inspection. The VA appraisal focuses primarily on the property's value and habitability, whereas a home inspection delves deeper into the overall condition of the home, including its structure, systems, and potential issues.

By obtaining a home inspection, you can gain a better understanding of the property's condition, identify any potential defects or safety concerns, and make an informed decision about proceeding with the purchase. The inspection report can also provide leverage for negotiating repairs or adjusting the purchase price if significant issues are discovered.

It's important to note that while the VA does not require a home inspection, it strongly encourages buyers to get one. The decision to have a home inspection is ultimately up to the buyer. It's advisable to consult with your real estate agent or loan officer, who can provide guidance based on your specific circumstances and the property you intend to purchase. When you call to get a quote or schedule your inspection, be sure to let our call center representatives know that you are applying for a VA loan. As a “thank you” for your service, we will apply our veterans’ discount toward the total cost of your inspection.