Originally Posted by
William Mize
I was scheduled to do an inspection this afternoon, The buyer called me and said the VA mortgage appraiser had called for (1) a Licensened Roofer to inspect the roof, and (2) for a Licensened HVAC repairman to inspect the HVAC. In Oklahoma there is no such thing as a Licensened Roofer, The village idiot can grab a ladder and a hammer and be in the roofing business. The lady at the local bank said they wanted someone who did roofing full time and had an ad in the phone book.
The HVAC inspection they want a repairman to tell them the furnace and AC works.
I know I am not the first to run into this situation and would like to be able to inspect these VA houses. I feel (I Know) I give a better and more comprehensive inspection than just a roofer and a HVAC guy.
Comments, Ideas
Thanks I needed to vent a little
Willie
Willie, I know losing an inspection can be frustrating especially at the last minute. I suggest you begin marketing yourself to the lenders that loan on VA homes and also do a presentation to the local appraisers that appraise VA homes for this lender. I suggest you discuss your your services and qualifications. Unlike a typical home inspection, a home that has a VA loan is a bit different and if the appraiser predicates the loan e.g. requires additional inspections, the lender must order the inspections and can choose who they wish.
Also I disagree with Jim's statement about working for the buyer. In this case you are working indirectly for the VA through the lender NOT the buyer. Also you might report the same condition differently depending upon who you are working for. For example, during a normal home inspection you might report that a home has corrosion on a kitchen drain line and repair should be considered. In a VA loan situation, as an indirect representative for VA you have the authority to require the repairs be made and they must be done for the loan to go forward. Once the repairs you specify are completed you will often be asked to go back out to the house to re-inspect the repairs by the lender if they feel it's necessary. This typically happens when a handyman or homeowner have mad the repair. This process is also very similar to the HUD 203B loan program. A big difference betweent the HUD 203B program and the VA program is that the home buyer (veteran) can not make the repairs. They must be made by the home seller or their contractor.
I hope this helps. Good luck.
Don