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VA home loans and Veterans guide

VA appraisal and Tidewater

The VA appraisal addresses value and minimum property requirements; a separate inspection helps a buyer assess condition.

The short answer

The VA appraisal addresses value and minimum property requirements; a separate inspection helps a buyer assess condition. This guide is educational. The applicable lender, VA or investor rules and the facts of your transaction control the outcome.

Know what the appraisal does

A VA appraisal supports the lender's valuation and checks applicable VA Minimum Property Requirements. It does not replace an independent buyer inspection, and it does not promise that future repairs will be unnecessary.

Respond through the proper Tidewater channel

If the appraiser indicates a possible value shortfall during the process, Tidewater can allow relevant market data to be supplied through the designated contact before the appraisal is complete. Ask your lender for the procedure and timelines instead of contacting the appraiser directly about value.

Primary source

Read the current agency guidance

Frequently asked question

Does a VA appraisal take the place of a home inspection?

No. The buyer should consider an independent inspection for a detailed condition review.

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