VA Home Appraisals: What to Expect and How to Prepare? (Without Delays) | reAlpha Mortgage

You’re under contract. Excitement is high. But then the appraisal report comes —and the value’s too low. Or the roof needs repairs. Suddenly, the deal you thought was solid starts to slip.

If you’re using a VA loan, one thing stands between you and your dream home: the VA appraisal. It’s meant to protect you—but it can also delay or derail your closing if you’re not prepared.

Don’t worry—we’ve got your back. This guide will walk you through the VA appraisal process, highlight common pitfalls, and show you how to get ahead of issues before they cost you the deal.

• VA appraisals are required to confirm a property meets safety and value standards for a VA loan.
• Delays usually stem from property condition issues or incomplete documentation.
• Preparing for the VA appraisal can help prevent funding delays or rejections.
• VA appraisals differ from home inspections—understand both to avoid confusion.
• You have resources—reAlpha Mortgage can make the process easier and more affordable.

• According to the VA, most appraisals are completed in 10 days or less—but delays happen.
• The top reasons VA loans get delayed include:
• Minimum Property Requirements (MPRs) violations
• Low valuations
• Slow response from sellers or agents

Heads up: Nearly every VA loan requires an appraisal. It’s not optional.

Source: VA.gov Home Loan Appraisal Guidelines

A VA-certified appraiser is assigned by the Department of Veterans Affairs. Their mission?

• Verify the home's market value
• Confirm the property meets VA Minimum Property Requirements (MPRs)

• Foundation stability
• Roof condition
• HVAC systems
• Water and electrical functionality
• Access to clean drinking water
• Absence of health hazards (e.g., mold, lead-based paint)

They don’t test appliances or inspect every outlet. That’s for a home inspection, which is optional but highly recommended.

Pro Tip: Think of the VA appraisal as the gatekeeper to your castle. If it doesn't approve the drawbridge, no one gets in.

• Peeling lead-based paint (pre-1978 homes)
• Exposed wiring
• Roof leaks or sagging
• Cracked or broken windows
• Inoperable heating/cooling
• Missing handrails on stairs
• Structural damage or foundation issues

Want the full checklist? Here’s the official VA MPR Guide.

• Fix obvious safety issues (e.g., broken steps, missing smoke detectors)
• Ensure utilities are on and systems are functioning
• Make sure the attic and crawl spaces are accessible

• Ask your agent to pre-check the home for MPR issues
• Schedule a private inspection early
• Have a backup lender in case of delays

Pro Tip: If the appraised value is lower than the sale price, you can request a Reconsideration of Value (ROV).

Here’s the truth: appraisal delays often come down to miscommunication and unprepared properties. Speed matters, especially when rates change weekly.

That’s why we recommend working with reAlpha Mortgage (NMLS #1743790). We specialize in VA loans and move fast—with empathy, transparency, and veteran-first expertise

If it’s approved and meets value, the underwriter moves forward. If not?

• The loan could be suspended
• You may renegotiate the price or request repairs
• You can walk away with no penalty if the VA clause is in your contract

Don’t forget: the VA Escape Clause protects you if the value is too low.

If you're buying a home, don't waste thousands on real estate agent commissions. reAlpha offers a modern, commission-free way to purchase a home—perfect for veterans who want more buying power and less stress.

Why reAlpha?

• 100% commission-free buyer representation
• Personalized support from licensed agents
• Streamlined digital home search experience
• Veteran-friendly guidance at every step.

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Compare options, calculate payments, and get expert guidance - all in one place.

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Safety hazards, poor property conditions, and overpricing can all hurt your appraisal outcome.

Strict on safety and livability, but fair. It’s not designed to block your home—just to protect you.

Usually 7–10 days. Delays can occur if repairs or further reviews are needed.

‍ Value, health/safety issues, structural integrity, working systems, and adherence to VA MPRs.

Yes, if the home doesn't meet VA MPRs or is valued below the sale price.

Buying your dream home doesn’t have to drain your savings. With reAlpha Mortgage, you can unlock up to 75% of your buyer agent’s commission back — real cash you can use for inspections, closing costs, or move-in upgrades.

Here’s how the rebate stacks up:

• 25% rebate for working with a reAlpha-approved agent
• 50% when you bundle your mortgage with reAlpha
• 75% total when you add title services too

Veteran or not, this is smarter homebuying.

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• reAlpha Mortgage is a licensed mortgage broker, NMLS #1743790. Equal Housing Opportunity.
• VA loans are backed by the Department of Veterans Affairs but issued by private lenders.
• Appraisal results are not guarantees of home condition.
• reAlpha is a separate platform offering real estate investment opportunities. Investment involves risk.

This content is for educational purposes and not a commitment to lend or invest.

Find the Perfect Mortgage for Your Dream Home with reAlpha Mortgage.

Compare options, calculate payments, and get expert guidance - all in one place.

Check if you qualify