Top Red Flags in Home Inspections for VA Loans Every Buyer Should Know
Top Red Flags to Watch for in VA Loan Home Inspections
By Home Scan Inspections
Purchasing a home with a VA loan is an incredible benefit for eligible veterans, active-duty service members, and their families. However, VA loans come with strict Minimum Property Requirements (MPRs) to ensure the home is safe, sound, and sanitary. A professional home inspection can uncover red flags that might delay or jeopardize your loan approval. At Home Scan Inspections, we’ve outlined the top issues to watch for during a VA loan inspection and how addressing them upfront can save time and stress.
1. Roof Problems
The VA requires the roof to have at least 3-5 years of remaining life without leaks. Missing shingles, damaged flashing, or signs of water intrusion could lead to costly repairs or a failed inspection. Addressing roof issues before the appraisal ensures a smoother loan process.
2. Termite and Pest Damage
Florida’s warm climate is a haven for termites and other pests. VA loans often require a termite inspection, and evidence of wood-destroying organisms must be treated and resolved before closing. A home inspection helps identify these issues early.
3. Water Damage and Mold
Signs of water intrusion, such as stains, warped walls, or a musty odor, are major red flags. Mold growth is not only a health hazard but also a violation of VA standards. Identifying and addressing water damage during the inspection is critical.
4. Electrical Hazards
Outdated or faulty electrical systems, such as exposed wiring or inadequate breaker panels, are safety risks that won’t meet VA standards. Ensuring the home’s electrical system is up to code is essential for a successful loan approval.
5. Foundation and Structural Issues
The VA requires the home’s foundation to be solid and free of major defects. Cracks, settling, or uneven floors could indicate significant structural concerns that need professional evaluation and repair.
6. Plumbing Problems
Leaking pipes, corroded fixtures, or low water pressure are common plumbing issues flagged during inspections. These can lead to additional repairs before the home meets VA requirements.
7. HVAC System Concerns
Heating and cooling systems must be functional and in good condition. An HVAC system that doesn’t work properly or is nearing the end of its life may need repair or replacement to pass the VA loan requirements.
8. Non-Functional Utilities
VA loans require that all utilities, including water, electricity, and gas, are functional and meet safety standards. An inspection ensures these systems are in working order before moving forward.
How Home Scan Inspections Can Help
At Home Scan Inspections, we understand the unique requirements of VA loans and are committed to helping veterans and their families secure a home that meets their needs. Our comprehensive inspections identify potential red flags early, allowing you to address them before they become roadblocks.
Don’t let unexpected surprises delay your dream home. Contact Home Scan Inspections today to schedule your VA loan home inspection and ensure a smooth, stress-free process. Don’t forget to ask about our discounts for active military and first responders.
