You’re spot on about the difference between the VA appraisal and a proper inspection. I’ve been through this process a couple times, and honestly, I wouldn’t dream of skipping the inspection—even if it feels like an extra expense. The VA’s minimum property requirements are just that: minimum. They don’t cover a lot of what could go wrong under the surface. I’ve seen friends get burned by hidden plumbing issues that only came up in the inspection report. It’s not fun shelling out more cash upfront, but it can save you from way bigger headaches down the road.
Honestly, I get where you’re coming from, but I’ve skipped the inspection once when buying a newer place and didn’t regret it. The VA appraisal flagged a couple things, and the house was only a few years old, so I felt comfortable taking the risk. Not saying it’s for everyone, but sometimes the extra cost just doesn’t make sense if you know what you’re looking at. Guess it depends on your comfort level and the property’s age.
Not saying it’s for everyone, but sometimes the extra cost just doesn’t make sense if you know what you’re looking at.
I get the logic, but skipping the inspection feels like rolling the dice, even on a newer place. The VA appraisal isn’t a substitute for a full inspection—it’s more about value and safety basics. I’ve seen “just a few years old” homes with hidden plumbing or electrical issues that would’ve cost me way more than the inspection fee. For me, that peace of mind is worth budgeting for, even if it stings a little upfront.
The VA appraisal isn’t a substitute for a full inspection—it’s more about value and safety basics.
Couldn’t agree more. The VA’s “minimum property requirements” are just that—minimum. They’ll catch big stuff like missing stair rails or a leaky roof, but they’re not crawling through the attic to find that squirrel nest in the insulation. I’ve been burned by hidden HVAC nightmares before... trust me, the inspection fee is nothing compared to fixing those surprises.
I get where you’re coming from, but I’d argue the VA appraisal process is a bit more thorough than folks give it credit for. Sure, it’s not a deep-dive inspection, but I’ve seen appraisers flag things like outdated electrical panels or questionable foundation cracks—stuff you wouldn’t expect from a “basic” check. That said, you’re right about the hidden issues. I’ve had clients who skipped the inspection to save a few bucks and ended up with costly repairs down the line... not fun.
Still, for some buyers, especially if the home is newer or has been recently renovated, the risk might feel lower. It really comes down to your risk tolerance and how much peace of mind you want. Personally, I’d rather pay for the inspection and sleep better at night, but I know not everyone sees it that way.
