Buying with a VA loan? Here's what appraisers really look for (and how to pass fast).

If you're a first-time homebuyer using a VA loan, you're probably wondering: what does a VA appraiser look for? The answer could mean the difference between closing smoothly or hitting frustrating delays.

VA appraisals aren’t just paperwork. They ensure your dream home is not only fairly priced but also safe, sound, and sanitary. In this guide, you'll discover exactly how to ace the appraisal, avoid costly surprises, and breeze through to closing day.

Key Takeaways

• VA appraisals assess a home’s market value and confirm it meets Minimum Property Requirements (MPRs), with a focus on safety, structural integrity, and sanitation.
  
• Common issues flagged include peeling paint, faulty wiring, roof damage, and missing handrails.
  
• Working with licensed VA loan professionals can help identify appraisal challenges early in the process and prepare for a smoother path to closing.
  

What Happens If My VA Appraisal Comes In Low?

• You can challenge it via ROV with comparable sales.
• Consider re-negotiating the price with the seller.
• If budget allows, bring extra cash to cover the difference.

Learn about VA loan limits

Can I Use a VA Loan on a Fixer-Upper?

Yes, with a VA Renovation Loan or VA Rehab Loan, you can finance minor repairs or improvements along with the purchase price.

Explore VA rehab loan options

Understanding VA Appraisal Requirements

A VA appraisal serves two key functions:

1. Establishing Market Value – Ensuring the property is worth at least the loan amount.
   
2. Meeting Minimum Property Requirements (MPRs) – Confirming the home is safe, sound, and sanitary.
   

According to Chapter 12 of the VA Lender’s Handbook (VA Pamphlet 26-7), the appraisal ensures the home is:

• Safe: Free from hazards such as exposed wiring or structural concerns.
  
• Structurally Sound: Featuring a solid foundation, intact roof, and stable framework.
  
• Livable and Hygienic: Equipped with functioning plumbing, heating, and waste systems.
  
• Properly Valued: The appraised value must support or exceed the contract price.
  

VA Appraisal vs. Conventional Appraisal: What’s the Difference?

VA appraisers do more than assign value. They follow Minimum Property Requirements (MPRs) to protect veterans from risky or unlivable homes. Only VA-certified appraisers can conduct these assessments.

Conventional = Value only
VA = Value + Safety Standards

Learn how VA home loans differ

Essential VA Appraisal Checklist for First-Time Buyers

VA appraisers typically review:

• Paint Condition: No peeling or chipping (especially in homes built before 1978 due to lead paint risk).
  
• Roof Condition: Free from leaks or damage.
  
• Basements/Crawl Spaces: Must be dry and accessible.
  
• Heating Systems: Fully functional and appropriate for the home’s size.
  
• Electrical Systems: Safe, compliant, and without exposed wiring.
  
• Mechanical Systems: Operational and well-maintained.
  
• Bedroom Egress: Must have windows large enough for an emergency exit.
  
• Handrails: Required on stairs and elevated decks.
  
• Water & Sewage Access: Functional clean water and proper waste disposal.
  
• Year-Round Street Access: Must be safely accessible in all seasons.
  

Pro Tip: Conduct a pre-appraisal walk-through with your real estate agent to address potential concerns before the official review.

Avoiding Common VA Appraisal Pitfalls

Even well-maintained homes may face challenges during the appraisal. Common issues include:

• Required Repairs: If the home doesn’t meet VA minimum property requirements (MPRs), you may be able to ask the seller to make repairs. In some cases, your lender might also allow you to set aside funds in a repair escrow to fix the issues after closing—if regional rules permit it.
  
• Low Appraisal Values: If the appraised value is below the purchase price, buyers can request a Reconsideration of Value (ROV) through their lender by submitting additional comparable sales or correcting errors in the appraisal report.
  

VA Appraisal Fees & Timeline

• Fees: Typically range from $500 to $900, varying by location. The Department of Veterans Affairs publishes regional fee limits, which can be found on the VA’s official website.
  
• Timeline: Most VA appraisals are completed within 7 to 10 business days, though this may be longer in rural or high-volume areas.
  

Expert Tips for a Smooth VA Appraisal Process

Based on industry best practices from NMLS-licensed professionals:

• Work with a VA Loan Specialist: Professionals experienced in VA financing can help you proactively address appraisal red flags.
  
• Prepare the Property: Ensure all systems are working, the home is clean, and any minor issues (like missing handrails or chipped paint) are addressed beforehand.
  
• Agent Attendance: If permitted, your real estate agent may attend the appraisal to highlight recent upgrades or clarifications.
  

How Strategic Partnerships Can Support You: Be My Neighbor Mortgage & reAlpha

Partnering with knowledgeable, licensed professionals can help make the VA appraisal process more transparent and efficient:

• Be My Neighbor Mortgage, LLC (NMLS #1743790) specializes in VA home loans. BMN’s licensed team is trained to identify potential VA appraisal concerns and guide buyers through each step of the VA loan process, from application through closing.
  
• reAlpha offers a technology-powered real estate platform that assists buyers with market insights and education. The model emphasizes data-informed decisions and transparency, helping buyers understand their options if an appraisal comes in low.

Conclusion

A successful VA appraisal means you're one step closer to unlocking your new home—without surprises. By understanding the process, prepping your property, and working with trusted VA lenders, you can move through the process confidently.

At reAlpha, we connect veterans with commission-free buying options and VA loan experts like Be My Neighbor Mortgage to streamline every step. Whether it's pre-approval or appraisal prep, we're here to make your journey fast, stress-free, and successful.

Start your VA loan journey today with trusted guidance and no commissions.

Explore VA home loan options with Be My Neighbor Mortgage

Frequently Asked Questions

What does a VA appraiser look for?

They ensure the home is safe, structurally sound, and sanitary per VA Minimum Property Requirements (MPRs). Think: no peeling paint, solid roof, working utilities, handrails, and safe access.

How long does a VA appraisal take?

Typically 7-10 business days. It may take longer in rural or high-volume areas.

Can I challenge a VA appraisal?

Yes, via Reconsideration of Value (ROV) if you believe the valuation is inaccurate.

Does a VA appraisal include an inspection?

No. It's a valuation + basic safety check. A home inspection is still highly recommended.

Do VA appraisals require handrails?

Yes. All stairs and elevated surfaces must have secure handrails.

Disclaimer:‍

Be My Neighbor Mortgage, LLC (NMLS #1743790) | Equal Housing Lender. All loan approvals are subject to program guidelines, underwriting criteria, and credit approval. This content is for educational purposes only and does not constitute a commitment to lend. VA loan guidelines and appraisal standards are subject to change. Please consult with a licensed mortgage professional and refer to the VA Lender’s Handbook (VA Pamphlet 26-7) for the most up-to-date requirements.