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There is NO SUCH THING as a VA Inspector!!!!

By
Real Estate Agent with Realty Station

Last night we taught another of our classes, "How to Buy a Home with Your VA Loan".  The myths and misconceptions and just-plain-bad information surrounding this fantastic military benefit still amaze me.  I've been doing this for years and it shouldn't surprise me, but it always does. 

The most widespread mistake we hear of is that the "VA Inspector" will watch out for the military homebuyer.  Therefore, why should you, the VA homebuyer, hire an independent, private home inspector? 

ARGGGG!!!!  There is no VA Inspector!

The Veterans Administration hires and assigns a VA appraiser.  The appraiser's job is to make sure that the home you are buying fits within the VA's guidelines, and that the house is worth the money the bank is loaning you. 

The VA appraiser is NOT going to go in the crawlspace to make sure there are no carpenter ant infestation.  The VA appraiser is NOT going to climb into the attic to look for leaks or mold.  The VA appraiser is NOT going to take the front off the electrical panel to look for fraying wires, or over-populated circuits. 

The VA appraiser will typically spend perhaps 10 to 20 minutes at the home you are going to purchase.  The VA appraiser will usually take some measurements of the home, walk through the inside and walk around the outside.  They will probably take some photos.  A really thorough VA appraiser might bend over and look inside the crawlspace access door.

A professional home inspector will spend three to four hours  at your new home.  They want you there with them, so they can show you what they are seeing.  He or she will check all the wiring, all the plumbing, the roof, the attic space, the crawlspace or basement.  They will look at the floors, walls, ceilings, foundation, appliances.

A professional, independent home inspector works for the you, the homebuyer.  His or her only job is to tell you the true condition of the home at the time of the inspection.  The inspector does not care what you are paying for the the house.  They only care that you make an informed decision about the home you are buying.  For less than the price of a new dishwasher, why would you not hire a professional home inspector? 

I always advise my clients to get a home inspection.  In fact, let's make the purchase of the home "Subject to" approval of a professional home inspection.  I would rather have my clients find out about the bad roof or improper drainage or mold in the attic prior to closing, than find out three months later when it is often too late.

Please, know the difference between a VA appraiser and a home inspector. They both have value and a place in the real estate transaction, but they perform entirely different functions.  Use them both!

 

Comments(20)

Jeff Pickering
Pickering Group - Anthem, AZ
There is no VA Inspector or easter bunny.  Great post!   Jeff
Nov 07, 2007 03:53 PM
Bob & Carolin Benjamin
Benjamin Realty LLC - Gold Canyon, AZ
East Phoenix Arizona Homes
Good post. Thanks for sharing.
Nov 07, 2007 03:54 PM
Sheri Sanders
Berkshire Hathaway C Dan Joyner Realtors - Easley, SC
Realtor/Broker - Easley, SC Real Estate

Marlene,

 I don't know how many times I've had to explain this myself!

Nov 07, 2007 03:58 PM
Jennifer Kirby
Kirby Fine Homes - Minneapolis, MN
The Luxury Agent
I always found it funny that the VA appraiser is able to make a recommendation about the age of the roof. If they think the roof is too old, then the seller must replace it in most cases before closing, if they want to sell to that VA buyer. They don't actually climb up on the roof to check it out, they just looks at it from the ground and make an opinion. Great advice and good post!
Nov 07, 2007 03:59 PM
Karen Inch
Kenmore, WA

Great post!!!  This is true for not only VA purchases, but for anyone buying a home.  It amazes me how many people buy houses without an inspection.  What you don't know can hurt you.

Also, VA loans have the best rates right now.  Anyone who qualifies should use their VA benefit.

Karen

Nov 07, 2007 04:00 PM
Harold Miller
Miller Home Inspection - Stanwood, WA
Certified Professional Home Inspector

Marlene,

Very good post! This misconception of a VA inspector, (or an FHA inspector) is definitely out there.

I get asked if I am VA /FHA approved from time to time, and I try my best to educate buyers. There definitely is that confusion between what the purpose of the appraisal is versus what the purpose of a home inspection.

In Washington State it is important that the inspector is a licensed Structural Pest Inspector. (SPI)  Only SPI's can provide the Uniform Wood Destroying Organism Report with an NPMA-33 form which meets the reporting requirements.

Jeff, why did you have to drag the easter bunny into this? .......Poor Wabbitt      :)

Nov 07, 2007 04:09 PM
Marlene Scheffer
Realty Station - Bremerton, WA
Realtor to Kitsap County, WA

Jeff, Harold, I SWEAR I saw the easter bunny just the other day.  Are you sure about that part? 

Karen, I totally agree with you about using your VA loan benefit, especialy right now!

Jennifer, excellent case-in-point, thank you!

Sheri, Bob, Carolin, thanks for the positive feedback.  It does my little heart good, especially when I am posting about things I feel strongly about AND it's past my bedtime!

Nov 07, 2007 04:32 PM
Kris Wales
Keller Williams Realty - Lakeside Market Center - Macomb, MI
Real Estate Blog & Homes for Sale search site, Macomb County MI

Marlene, great job.  This should be re-posted once a month or so.  It is still such a misconception not only among the consumers but in our own industry.

I explain to my VA buyers "He/she is an appraiser with a checklist."  

Nov 07, 2007 08:11 PM
Renée Donohue~Home Photography
Savvy Home Pix - Allegan, MI
Western Michigan Real Estate Photographer

Great advice and I like Kris' explanation!  I bought my first home FHA when I was 20 and a year later  it was discovered that the exhaust in the furnace had holes in it and it got flagged by the gas company.  I was under the impression that the inspector was an appraiser too!

Hard lesson learned some 5000 dollars later with two babies and making minimum wage back in 1990~ 

Nov 08, 2007 01:45 AM
Marlene Scheffer
Realty Station - Bremerton, WA
Realtor to Kitsap County, WA

Kris,  I love your explanation.  I may start using that....

Renee,  OUCH!  An excellent although painful example of the need for both an appraiser and an inspector. 

Nov 08, 2007 09:08 AM
Melanie Ross
Coldwell Banker Solano Pacific - Benicia, CA
Benicia CA & Vallejo CA Real Estate, 707-319-2828
Marlene, Great way to dispell those myths!
Nov 08, 2007 04:16 PM
Joy Canova - Seattle
Coldwell Banker Bain - Seattle, WA

A while back, I had a similar experience which led to the firing of a client.  Not only did he want to rely on the VA appraiser, but he also wanted the seller, not listing agent, to provide answers to his questions.  He wanted only these two opinions.  The first, a party who would not check for all potential hazards, and the second which would lie to him.

This was an educated man, and yet it was not until his mother convinced him to make an offer contingent upon inspection did he cease insisting upon that approach.  It did not last long. After I produced a CMA for like homes in that area, he accused me of pushing him into making an offer before he had a chance to have the seller "sell his house" to him.  I guess he forgot the part that the VA appraiser would come after mutual acceptance anyway.

There just seemed no way to protect this guy and I released him from the Buyer Agency Agreement he had signed.  Sometimes it is better to fire a client than have to drive in every point.  He would not protect himself, and he sounded like a law suit for me as well.

Anyone else have such resistance to counsel on VA and contractual good practice?

Nov 09, 2007 02:04 AM
Marlene Scheffer
Realty Station - Bremerton, WA
Realtor to Kitsap County, WA

Thanks, Melanie, I try!

You know, Joy, I've never had a really hard time convincing people of this once they are actully clients of mine.  It's the many, many active duty military and veterans who hold these myths that are frustrating the heck out of me.  Not every real estate agent has this knowledge, just because they don't do VA loan purchases very often, and I hate to see anyone get "taken" by ignorance.  What a horror for you, though!  I would have done the same thing.

Nov 09, 2007 03:22 AM
Joy Canova - Seattle
Coldwell Banker Bain - Seattle, WA

Yes. It was disappointing because I go through a great deal of buyer consultation from the very beginning and throughout the process.  I have little tests along the way that I watch to gauge motivation and cooperation -- for example, I only work with buyers who sign my agency agreement after a short trial period.  I had noticed an ego involved before, but up until that point he seem to come around to understand the principles at play.  I had to chalk it up to a bad match for both of us.  He did not see me as his advocate, and I had to work to hard only to feel I could not protect him from himself anyway.

I am not sorry for the experience and it proved to be the right move for me.  The next day, I had a call from a buyer who truly valued my services and with whom it was a pleasure to work.  More business is always the best insurance of feeling free of lost business.  Also, it felt good to focus my business as I wished it.  My business partner and I feel very strongly about this.

Nov 09, 2007 03:49 AM
Marlene Scheffer
Realty Station - Bremerton, WA
Realtor to Kitsap County, WA
Joy, that's a great story.  All agents should be able to choose who they will work with, but there is always a new or hungry agent that will take everyone else's leftovers.
Nov 10, 2007 04:51 AM
Rod Finch
Pioneer Property Inspectors LLC - La Crosse, WI
OK, Here is the myth of the VA Inspector again.. here is the true scoop coming from A Veteran who has used the VA home loan and who also happenes to be an Inpsector himself.. Folks there IS A real life VA inspector.They also work with HUD. In order to become a VA inspector you must be an inspector with atleast five or more years and X amounts of inspections. BUT They are RECOMMENED not required for a VA loan. And for the statement of "Subject to approval of a professional home inspection." I didn't realize That we as home inspectors had the right to approve a home or disapprove" That there is a myth! For the past 5 years I have been under the impression that Home inspectors only gave the general home conditions. Please do not take this comment the wrong way it may sound like I am chewing but I am not. Just stating facts as short as I can. Please don't be offended.
Nov 11, 2007 04:01 PM
Rod Finch
Pioneer Property Inspectors LLC - La Crosse, WI

sorry did not mean to sound rough.

Nov 11, 2007 04:02 PM
Marlene Scheffer
Realty Station - Bremerton, WA
Realtor to Kitsap County, WA

Rod,

Thanks for your comments.  However, I would like to point out a couple of things.  First, I do not promote the idea that the inspector can approve or disapprove a home.  As a matter of fact, if you re-read my post, it says that the buyer should make the contract "subject to approval of a professional home inspection."  A professional home inspection is a report produced by a professional home inspector.  It is then up to the buyer to approve the inspection results.  I specifically did not say "subject to approval by a professional home inspector."  There is a huge difference, and I do teach this to my clients.

As far as the VA Inspector, as I understand it, the VA Inspector is for new construction only, and is a compliance inspector.  Most lenders will not do a VA loan on new construction unless it can be purchased after construction is completed (as opposed to custom construction or construction loans).  Because it is so confusing I chose not to address it here in a blog meant for the general public as well as for real estate professionals.   See this website - http://www.homeloans.va.gov/docs/qualreq.pdf.

I have been in real estate for more than twenty years, licensed for more than ten, am the daughter of a veteran and am married to an active duty service member.  The majority of my career has been spent working with either military or first-time home buyers.  If the information above is not correct, I would love to know it.  I would hate to pass incorrect information on to clients who trust me to guide them through one of the biggest investments they will ever make.

Nov 11, 2007 05:45 PM
Joy Canova - Seattle
Coldwell Banker Bain - Seattle, WA

Great discussion, folks.  Rod, I am curious......  Are you also a licensed pest inspector?  I read your profile and I did not see it mentioned there. 

Here in Washington State, we would be very remiss as agents if we did not include that conditional inspection.  In fact, we now have case law that puts a great deal of onus on the buyer to obtain all possible information about condition prior to closing.  Their ability to recover damages from the seller later are greatly reduced.

I recognize that customs vary from state to state.  However, beyond the need to satisfy VA requirements is a host of other concerns buyers must do for self protection.

 

Nov 12, 2007 01:59 AM
Michelle Tucker ~ Pooler Real Estate
!Daley Real Estate - Pooler, GA
Rincon~Savannah~Richmond Hill

Hello Melanie:

 

New to AR and searching the prior posts.  This is great info.  with your permission I would love to use some of your post for one of my packets. I am fairly new to the business and I do not want to recreate the wheel.    I am married to a soldier and mainly deal with active military.

Thanks for the consideration.

Michelle

Mar 14, 2008 05:12 PM