During a VA (Department of Veterans Affairs) home appraisal, the appraiser’s primary goal is to determine the value of the property and ensure it meets the VA’s minimum property requirements (MPRs).
The MPRs are in place to ensure that the home is safe, sanitary, and structurally sound for veterans and their families. Here are some common safety items that an appraiser may call out during a VA home appraisal:
- Structural Issues: The appraiser will look for any significant structural problems, such as a sagging roof, foundation issues, or serious cracks in the walls. These issues can pose safety risks and may need to be addressed.
- Roof Condition: A damaged or deteriorating roof can lead to leaks and structural issues. The appraiser will assess the condition of the roof and may recommend repairs or replacement if necessary.
- Electrical Systems: Faulty wiring, outdated electrical panels, or other electrical hazards can be safety concerns. The appraiser will check the electrical system for compliance with local building codes.
- Plumbing Issues: Leaking pipes, inadequate plumbing systems, or water damage can be safety and sanitation concerns. The appraiser will evaluate the plumbing to ensure it is in good working order.
- Heating and Cooling Systems: Inadequate or malfunctioning heating and cooling systems can affect the habitability of the home. The appraiser will assess these systems to ensure they are functional.
- Water Heater: The appraiser will check the condition and safety of the water heater. If there are any signs of corrosion or other issues, they may recommend replacement.
- Mold and Mildew: The presence of mold and mildew can be a health hazard. The appraiser will look for signs of mold and moisture issues.
- Lead-Based Paint: If the home was built before 1978, the appraiser will check for the presence of lead-based paint. If found, it must be properly addressed and mitigated.
- Radon Gas: In areas known for high radon levels, the appraiser may recommend testing for radon gas and mitigation if levels are elevated.
- Accessibility: For homes designated for disabled veterans, the appraiser will assess accessibility features, such as ramps, handrails, and wider doorways, to ensure they meet VA standards.
- Safety Hazards: The appraiser will look for any safety hazards, such as exposed wiring, broken windows, or tripping hazards, and may recommend repairs or improvements.
- Pest Infestations: The presence of pests, such as termites or rodents, can be a safety concern. The appraiser will look for signs of infestations.
It’s important to note that the specific requirements and standards for VA appraisals may vary depending on the location of the property and changes in VA guidelines over time. If safety issues are identified during the appraisal, they may need to be addressed by the seller or the buyer before the loan can be approved. Veterans and their families should have homes that meet these safety and habitability standards.
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