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VA Loans for Veterans
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VA appraisal tripped me up, too—thought it was a full check, but it’s really just a box-checking exercise for the lender. I’ve seen clients skip the inspection to save cash, but that’s risky. Here’s what I’ve noticed:
- VA appraisal = minimum safety and habitability only. Not a deep dive.
- Home inspection = optional, but it’ll catch stuff like old wiring, leaky roofs, or busted HVAC.
- Paying a few hundred now can save you thousands later. I’ve seen folks get stuck with surprise repairs that wiped out their emergency fund.
If the budget’s tight, I’d still prioritize the inspection. It’s not required, but it’s smart—especially if you’re stretching your finances to buy.
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