{"id":212173,"date":"2023-10-10T11:54:08","date_gmt":"2023-10-10T11:54:08","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/how-long-does-a-va-appraisal-stick-with-the-property\/"},"modified":"2023-10-10T11:54:08","modified_gmt":"2023-10-10T11:54:08","slug":"how-long-does-a-va-appraisal-stick-with-the-property","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/how-long-does-a-va-appraisal-stick-with-the-property\/","title":{"rendered":"How long does a VA appraisal stick with the property?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/how-long-does-a-va-appraisal-stick-with-the-property\/#How_long_does_a_VA_appraisal_stick_with_the_property\" title=\"How long does a VA appraisal stick with the property?\">How long does a VA appraisal stick with the property?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/how-long-does-a-va-appraisal-stick-with-the-property\/#What_is_a_VA_appraisal\" title=\"What is a VA appraisal?\">What is a VA appraisal?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/how-long-does-a-va-appraisal-stick-with-the-property\/#Why_is_a_VA_appraisal_important\" title=\"Why is a VA appraisal important?\">Why is a VA appraisal important?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/how-long-does-a-va-appraisal-stick-with-the-property\/#How_long_does_it_take_to_get_a_VA_appraisal\" title=\"How long does it take to get a VA appraisal?\">How long does it take to get a VA appraisal?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/how-long-does-a-va-appraisal-stick-with-the-property\/#Can_a_VA_appraisal_be_used_for_other_types_of_loans\" title=\"Can a VA appraisal be used for other types of loans?\">Can a VA appraisal be used for other types of loans?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/how-long-does-a-va-appraisal-stick-with-the-property\/#Can_a_VA_appraisal_be_transferred_to_a_new_buyer\" title=\"Can a VA appraisal be transferred to a new buyer?\">Can a VA appraisal be transferred to a new buyer?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/how-long-does-a-va-appraisal-stick-with-the-property\/#Can_a_VA_appraisal_be_disputed\" title=\"Can a VA appraisal be disputed?\">Can a VA appraisal be disputed?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/how-long-does-a-va-appraisal-stick-with-the-property\/#What_happens_if_a_VA_appraisal_comes_in_lower_than_expected\" title=\"What happens if a VA appraisal comes in lower than expected?\">What happens if a VA appraisal comes in lower than expected?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/how-long-does-a-va-appraisal-stick-with-the-property\/#Can_a_borrower_request_a_specific_appraiser_for_a_VA_appraisal\" title=\"Can a borrower request a specific appraiser for a VA appraisal?\">Can a borrower request a specific appraiser for a VA appraisal?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/how-long-does-a-va-appraisal-stick-with-the-property\/#Can_a_VA_appraisal_be_waived\" title=\"Can a VA appraisal be waived?\">Can a VA appraisal be waived?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/how-long-does-a-va-appraisal-stick-with-the-property\/#What_happens_if_a_VA_appraisal_expires_before_closing\" title=\"What happens if a VA appraisal expires before closing?\">What happens if a VA appraisal expires before closing?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/how-long-does-a-va-appraisal-stick-with-the-property\/#Can_a_borrower_challenge_the_results_of_a_VA_appraisal\" title=\"Can a borrower challenge the results of a VA appraisal?\">Can a borrower challenge the results of a VA appraisal?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/how-long-does-a-va-appraisal-stick-with-the-property\/#Is_a_VA_appraisal_transferable_to_another_lender\" title=\"Is a VA appraisal transferable to another lender?\">Is a VA appraisal transferable to another lender?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"How_long_does_a_VA_appraisal_stick_with_the_property\"><\/span>How long does a VA appraisal stick with the property?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The answer to the question is simple &#8211; a VA appraisal sticks with the property for a period of six months. During this time frame, the appraisal is considered valid and can be used by lenders to determine the value of the property for loan approval purposes. After six months, a new appraisal may be required if the property has not been sold.<\/p>\n<p>When a property is appraised for a VA loan, the valuation of the property is based on various factors such as location, size, condition, and comparable sales in the area. The appraisal helps to ensure that the property meets the VA&#8217;s minimum property requirements and is worth the amount of the loan being requested by the borrower.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_a_VA_appraisal\"><\/span>What is a VA appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nA VA appraisal is an official assessment of a property&#8217;s value conducted by a licensed and certified appraiser. The appraisal is used to determine the fair market value of the property for loan approval purposes.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Why_is_a_VA_appraisal_important\"><\/span>Why is a VA appraisal important?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nA VA appraisal is important because it helps to protect both the lender and the borrower. The appraisal ensures that the property meets the VA&#8217;s minimum property requirements and is worth the amount of the loan being requested.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_long_does_it_take_to_get_a_VA_appraisal\"><\/span>How long does it take to get a VA appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe timeline for getting a VA appraisal can vary depending on various factors such as the availability of appraisers in the area and the complexity of the property being appraised. In general, it can take anywhere from a few days to a few weeks to get a VA appraisal completed.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_a_VA_appraisal_be_used_for_other_types_of_loans\"><\/span>Can a VA appraisal be used for other types of loans?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, a VA appraisal is specifically for VA loans and cannot be used for other types of loans. Each type of loan has its own appraisal requirements and standards.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_a_VA_appraisal_be_transferred_to_a_new_buyer\"><\/span>Can a VA appraisal be transferred to a new buyer?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, a VA appraisal is tied to a specific property and borrower. If a new buyer wants to use a VA loan to purchase the property, a new appraisal will be required.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_a_VA_appraisal_be_disputed\"><\/span>Can a VA appraisal be disputed?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf a borrower believes that a VA appraisal is inaccurate, they can challenge the appraisal by providing additional information or evidence to support their claim. The appraiser may then reevaluate the property and make any necessary adjustments to the appraisal.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_happens_if_a_VA_appraisal_comes_in_lower_than_expected\"><\/span>What happens if a VA appraisal comes in lower than expected?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf a VA appraisal comes in lower than expected, the lender may require the borrower to make up the difference in cash or renegotiate the terms of the sale with the seller. In some cases, the loan may be denied if the appraisal value is too low.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_a_borrower_request_a_specific_appraiser_for_a_VA_appraisal\"><\/span>Can a borrower request a specific appraiser for a VA appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, borrowers cannot request a specific appraiser for a VA appraisal. The appraiser is typically assigned by the lender or appraisal management company to ensure impartiality and compliance with VA appraisal standards.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_a_VA_appraisal_be_waived\"><\/span>Can a VA appraisal be waived?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIn some cases, a VA appraisal may be waived if the property is considered to be low-risk and meets certain criteria set by the VA. However, this is rare and usually only applies to streamline refinances or certain types of VA loans.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_happens_if_a_VA_appraisal_expires_before_closing\"><\/span>What happens if a VA appraisal expires before closing?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf a VA appraisal expires before closing, the lender may require a new appraisal to be completed before finalizing the loan. The borrower may need to cover the cost of the new appraisal if the original appraisal is no longer valid.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_a_borrower_challenge_the_results_of_a_VA_appraisal\"><\/span>Can a borrower challenge the results of a VA appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf a borrower disagrees with the results of a VA appraisal, they can request a reconsideration of value from the appraiser or provide additional information to support their case. However, the appraiser&#8217;s decision is typically final unless new evidence is presented.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_a_VA_appraisal_transferable_to_another_lender\"><\/span>Is a VA appraisal transferable to another lender?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, a VA appraisal is transferable to another lender as long as the new lender is willing to accept the appraisal and no significant changes have occurred with the property since the appraisal was completed.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>How long does a VA appraisal stick with the property? The answer to the question is simple &#8211; a VA appraisal sticks with the property for a period of six months. During this time frame, the appraisal is considered valid and can be used by lenders to determine the value of the property for loan &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"How long does a VA appraisal stick with the property?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/how-long-does-a-va-appraisal-stick-with-the-property\/#more-212173\">Read more<span class=\"screen-reader-text\">How long does a VA appraisal stick with the property?<\/span><\/a><\/p>\n","protected":false},"author":53,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-212173","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How long does a VA appraisal stick with the property?<\/title>\n<meta name=\"description\" content=\"How long does a VA appraisal stick with the property? 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