Do VA loans require an appraisal?
Yes. Every VA purchase requires a VA appraisal performed by a VA-approved appraiser. The appraisal sets value and verifies that the property meets VA Minimum Property Requirements (MPRs) — a different review than a buyer's home inspection.
What this actually means.
VA appraisals are ordered through VA's portal and assigned to an approved appraiser in rotation — the lender does not pick. The appraiser issues a Notice of Value (NOV) showing the appraised value plus any MPR conditions. Streamline IRRRL refinances usually skip the appraisal because the loan is already VA-insured. Subject to VA guidelines.
Where this can move.
Property condition against MPRs, repair requirements, Tidewater process, and Reconsideration of Value can change the appraised value and timeline.
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Educational only. VA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with the VA, HUD, or any government agency.