VA Loan Inspection Requirements

May 6, 2024

You’ve finally found the home of your dreams in the perfect neighborhood with a backyard, just waiting for barbecues and laughter. But before you can pop the champagne and celebrate, there’s a hurdle to clear: the dreaded VA loan inspection. 

In this article, we’ll walk you through the ins and outs of VA loan inspection requirements, ensuring you glide through the process without any problems.


Table of Contents

VA Loan Inspection Requirements

  1. What are VA Loan inspection requirements?
  2. What are the VA Loan Inspection Requirements?
  3. What is the role of the mortgage broker?
  4. What happens after the inspection?
  5. VA Loan Inspection Requirements FAQ


1. What are VA Loan inspection requirements?

Let’s start with the basics. VA loan inspection requirements are the set of standards that a property must meet to qualify for a VA loan. Think of it as a thorough health check-up for your potential future home. 

But who conducts this inspection, you ask? Well, that’s where qualified professionals, typically hired by the lender, come into play. These experts assess various aspects of the property to ensure it meets the VA’s safety and habitability standards.

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Now, why does the VA even bother with these inspections? It’s simple: to protect you, the borrower, and your investment. By ensuring that the property is structurally sound, free from safety hazards, and equipped with essential amenities, the VA aims to minimize the risk of unforeseen issues cropping up down the line.


2. What are the VA Loan Inspection Requirements?

During a VA loan inspection, several critical aspects of the property are evaluated to ensure its suitability for financing. These components include:

  1. Structural integrity – Assessing the overall stability and condition of the property’s foundation, walls, and structural components to ensure safety and longevity.
  2. Safety hazards – Identifying potential risks such as faulty wiring, lead-based paint, mold, or other safety concerns that could jeopardize the well-being of occupants.
  3. Mechanical systems – Evaluating the functionality and condition of essential systems like heating, cooling, plumbing, and electrical to ensure they meet operational standards.
  4. Roof condition – Inspecting the roof for signs of damage, leaks, or deterioration that may require repairs or replacement to maintain the property’s integrity.
  5. Water and sewer systems – Verifying the property’s access to clean water sources and assessing the functionality of sewer systems to ensure proper sanitation and hygiene.
  6. Accessibility requirements – Checking if the property meets accessibility standards, ensuring it accommodates individuals with disabilities and complies with relevant regulations.


3. What is the role of the mortgage broker?

Ah, the unsung heroes of the homebuying journey: mortgage brokers. That’s right, we’re the ones who are here to guide you through the murky waters of VA loan inspections and beyond.

So, what exactly do we bring to the table? For starters, we’re your go-to source for all things VA loan-related. From educating you about inspection requirements to coordinating inspections with professionals, consider us your personal homebuying assistant.

But our job doesn’t stop there. We’re also here to review inspection reports, advise you on next steps, and even play mediator between you and the lender when hiccups inevitably arise. Think of us as your trusted helper, ready to swoop in and save the day whenever you need us.


4. What happens after the inspection?

So, you’ve completed your inspection. Now what? Well, my friend, it’s time to roll up our sleeves and get down to business.

First things first, we’ll review the inspection results with a fine-tooth comb, flagging any potential deal-breakers or areas in need of attention. From there, it’s all about negotiating repairs with the seller or exploring alternative financing options if necessary.

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With our expertise and guidance, we’ll maneuver the murky waters of post-inspection negotiations, ensuring that you emerge without any problems and ready to seal the deal on your dream home.


5. VA Loan Inspection Requirements FAQ

  1. Who pays for the VA loan inspection?

Typically, the buyer pays for the VA loan inspection as part of the homebuying process. However, some sellers may agree to cover the cost as part of negotiations.

2. How long does a VA loan inspection take?

The duration of a VA loan inspection can vary depending on factors such as the size and condition of the property. On average, inspections typically take a few hours to complete.

3. What happens if the property fails the VA loan inspection?

If the property fails to meet the VA loan inspection requirements, the buyer and seller may negotiate repairs or credits to address any issues. In some cases, the buyer may choose to walk away from the purchase if the issues are significant.


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About Rob Sturms

With over three decades of experience, Rob Sturms is a trusted name in Colorado’s mortgage industry. Since 1993, he has been guiding clients with honesty and expertise through various loan options, ensuring personalized solutions for each homeowner’s journey. As the founder of Rob’s Mortgage Loans, Rob’s commitment to transparency and tailored service makes him the go-to choice for reliable lending assistance.


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