VA loans inspection

1

I have a client who is buying a house with a VA loan, and she asked if I can do a home inspection for this type of loan. No one has ever asked me that before. Does it really matter for us as home inspectors who we do the inspection for?

2

They probably need an appraisal. This is commonly confused with an inspection.

Home inspection is for the buyer.

Appraisal is for the Bank.

2 Likes
3

VA loans need a specific appraiser type.

They do not need a specific home inspection.

The VA appraiser will do a few things HI related, but not to the detail of a HI.

More here:

2 Likes
4

I often do Home Inspections for Veterans (VA financing), and there are two mandatory requirements for VA Home Inspections…

  1. Must be performed by a qualified Home Inspector, (license not required unless in a regulated State)… no Uncle Bob’s or other…
  2. Report must be prepared utilizing Professional Software, no hand written, no checklist, etc…
2 Likes
5

VA will most likely require a WDO/Termite Report showing no damage for funding.

1 Like
6

I’ve never been asked for one with VA, but is/was required for USDA…

https://www.rd.usda.gov/programs-services/single-family-housing-programs

7

VA Loan Inspection Requirements: The Complete List of the VA MPRs

8

You should be good to go on the inspection itself. They just require that the WDI report be paid for by the seller.

1 Like
9

No.

I did one today.

If you include the WDI inspection as I do, the VA will require a separate invoice with only the WDI inspection listed on it.

1 Like
10

I frequently receive questions about VA loan requirements, particularly regarding a home’s condition. For VA financing, certain property aspects must meet VA Minimum Property Requirements (MPRs) to ensure safety, sanitation, and structural integrity.

  • Water Quality: If the property relies on a well, a water quality test is typically required to confirm the absence of contaminants.
  • Wood-Destroying Organisms (WDO) Inspection: A termite inspection is mandated in many states to identify active infestations or structural damage.
  • Electrical Safety: GFCI protection is expected in kitchens and bathrooms to meet modern safety standards.
  • Plumbing: The system should be in good working order, and outdated materials such as polybutylene (PB) or galvanized piping may require further evaluation.
  • Mechanical Systems & Structure: Essential components like the HVAC system, water heater, roof, and foundation should be in functional condition without significant deficiencies.

Ensuring these elements meet VA standards can help prevent delays in the loan process and avoid costly surprises.

2 Likes