I’ve been through the VA loan process a couple times now, and here’s what I’ve learned: the VA appraisal is mandatory, but a home inspection isn’t required by the VA. The appraisal checks for minimum property requirements—stuff like working heat, no peeling lead paint, safe stairs, etc.—but it’s not as thorough as a full inspection. Personally, I’d never skip the inspection, even on a newer place. It’s a small price for peace of mind, and sometimes you catch things the appraisal just doesn’t cover. But yeah, I get why folks debate it when money’s tight.
That’s spot on about the difference between the appraisal and inspection. I totally get why skipping an inspection seems tempting when cash is tight, but it’s wild what can pop up even in “move-in ready” homes. I’ve seen buyers save thousands by catching stuff early. Peace of mind’s worth a lot, honestly.
Totally agree—peace of mind is huge, especially when you’re already juggling all the VA loan stuff. I know inspections can feel like just another expense, but man, skipping one can backfire big time. I’ve seen folks find out about old wiring or hidden leaks that would’ve cost way more down the line. Even if the VA doesn’t require a full-on inspection, it’s usually worth every penny for your sanity and your wallet.
Not gonna lie, I’ve seen folks get a little too inspection-happy and end up nitpicking themselves out of a good deal. Sure, you want to avoid the money pits, but sometimes you just need to trust your gut (and maybe your nose—if it smells like mold, run). VA’s minimum property requirements catch a lot of the big stuff anyway. Sometimes less is more, especially if you’re handy or planning to renovate anyway.
VA loans don’t technically require a full home inspection, just an appraisal that checks for those minimum property requirements you mentioned. But honestly, I’d always get my own inspection anyway. Appraisals can miss stuff—like sneaky electrical or plumbing issues. Better safe than sorry, right?
