Does a VA loan require a home inspection?
VA itself requires the VA appraisal — not a separate home inspection. A buyer-paid home inspection is strongly recommended on top of the VA appraisal because the VA appraiser is not a licensed home inspector and only checks MPRs.
What this actually means.
The VA appraisal verifies value and MPR compliance; it does not catch the way a thorough home inspection does (full HVAC review, plumbing pressure tests, foundation walk, roof life detail, electrical panel inspection). Florida buyers commonly add: a home inspection, a wind mitigation report, a 4-point inspection on older homes (insurance carriers often require it), and a WDO/termite inspection. Each is buyer-paid.
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.