"Buying a home with a VA loan comes with a few extra steps designed to protect veterans and active-duty service members, and the property inspection process is one that's often misunderstood. A lot of buyers assume the Department of Veterans Affairs sends an inspector to go through the entirety of the home before closing. In reality, that's not quite how it works."
"A VA appraisal is ordered by the lender, not the buyer or seller, and needs to be completed by a VA-approved appraiser. These appraisers are specifically trained to follow VA guidelines and submit a report, known as the Notice of Value, that states the appraised value of the home and any repairs that need to be made to meet the VA minimum property requirements."
VA loans require a VA appraisal rather than a full VA-conducted home inspection. The lender orders the appraisal and a VA-approved appraiser assesses visible issues, property value, and compliance with Minimum Property Requirements for safety and livability. Appraisers submit a Notice of Value listing the appraised value and any required repairs. A private home inspection still plays an essential role by revealing detailed condition issues and potential defects that the appraisal may not catch. Coordinating a private inspection before or alongside appraisal can identify problems early, helping buyers avoid surprises, delays, or unexpected repair costs.
Read at Redfin | Real Estate Tips for Home Buying, Selling & More
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