Does conventional require a home inspection?
Conventional doesn't require a home inspection — only a conventional appraisal. A buyer-paid home inspection is strongly recommended on top of the appraisal because the appraiser is not a licensed inspector and only checks collateral acceptability.
Plain-English explanation
The appraiser confirms value and notes property condition at a high level — they don't perform a full systems inspection. Buyers commonly add: a home inspection (full systems review), a wind mitigation report (Florida insurance pricing), a 4-point inspection on older homes (insurance carrier requirement), and a WDO/termite inspection (negotiable in Florida contracts). Each is buyer-paid and separate from the appraisal.
What can change the answer?
Property condition, comparable sales availability, appraisal waiver eligibility, and Reconsideration of Value can change the appraised value.
Want the real answer for your conventional file?
Conventional guidelines are the rule. Your credit, income, DTI, PMI, LLPAs, and Florida payment math are what decide the actual answer.
More conventional questions on Appraisal
Educational only. Conventional loan guidelines, lender overlays, rates, fees, PMI, LLPAs, and underwriting requirements can change. Final eligibility depends on full underwriting review.