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VA Mortgage Loan Inspections

My buyer is purchasing my home through VA. I had a previous buyer who did a home inspection. The new VA buyer wants to use the inspection report already done, 4 months ago.

Can he utilize this report for his loan? Also, how long will it take for him to get an appraisal and loan commitment?


Hello My Friend,

Thank you you for paying a visit to my site and asking these great questions.

When it comes to home inspections, this does not really have any bearing on the mortgage. Your previous buyer paid someone to do the inspection and must have provided you a copy for you to be able to offer it to your new buyer.

At any rate, the VA Home Loan has a list of things your buyer must meet before he/she qualifies. The home inspection you spoke about only give them something to go on as far as the condition of the house.

The VA will be sending out an inspector/appraiser to look at the house also. The lender will select this person and nobody but the lender will get a copy of his report.

He will inspect the house for safety and any major structure problems. For example the foundation, roof, mechanical systems etc. Also he will be looking for smoke alarms, GFI plugs, handrails on stairways and any trip hazards in the concrete outside.

As far as the time to get this appraisal done and a loan commitment, well that varies from lender to lender.

The normal cycle is around 60 days. However it does seem that lenders are slower now since this mortgage mess has happened.

Hopefully you find this helpful. If you do I would appreciate it if you were to like this page at Facebook or shout out a Tweet for me.

Best Regards,

Jeffrey Ragan

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VA Vendee

by Jennifer
(Georgia, USA)

Does anyone know how long these usually take to close, and what Bank of America and veterans affairs actually look for when approving these?



Hello Jennifer,

I hope you are doing well and wanted to thank you for stopping by my website and asking this question.

By your question, I assume you are well along in the mortgage process. Congratulations and I wish you and your family well.

As far as how long it takes for the Bank to approved a VA home loan, well that varies from lender to lender. Keep in mind that the Veterans Administration is a branch of the US Government and will be the ones reviewing the loan for qualification purposes. The VA guarantees the loan to your bank.

It normally takes around 60-90 days to close a VA home loan.

Now as to what they look for, again a whole host of things come into this picture.

In summary, for a list of VA Eligibility Requirements click here.

The thing that may take some time is the home appraisal itself. VA has their own appraisers and they will inspect the house and place a value on it. You never see a copy of the appraisal and all you really learn if the house passes is that it is worth what the seller is asking.

I hope you find this helpful, please feel free to pay it forward and tell some of your friends about our friendly community.

I hope all goes well for you. I would really appreciate it that after you close, come back to my website and share your home buying experience and leave a picture of your new home for others to see.

Best Regards,

Jeffrey Ragan

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Waiting period for buying a "flip" property

by Deborah
(Las Vegas, NV)

Is there a waiting period for a VA buyer to purchase a property that is a "flip" ??
Thank you


Hi Deborah,

Hello and thank you for coming by my site and asking a question. A good question I might add.

If what you are referring to is someone has purchased the house for investment purposes say 3 months ago, fixed it up and now wants to sell it to you with a VA loan, then I may not be the one to give you the answer.

I'm no longer in the mortgage business and do not have access to underwriting guidelines. However, your loan officer should be able to help you.

In the past, when I was in the mortgage business, it was not uncommon for government lenders to want some seasoning on the property. I cannot remember how long it was to be truthful.

I seem to think is was 6 months, but it could have been 12 months.

I just wish I had a more definitive answer for you. When you go to talk with a lender, they will be better able to answer your question.

Kind Regards,


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