Good points Thom.

Don, I respect your disagreement with me, but "I" do NOT work for the VA or lender unless they hire me. I work for the person who hired me ONLY and have doubts about the propriety of anyone who tries to split their allegiance. While the VA, FHA, etc. may work to protect the borrowers interest while protecting the equity of the loan, I have found most lenders care about the property value, not the borrowers.
I feel I have a responsibility to honestly protect the interest of my client only, not the lender, not the realtor, not the seller, not to be "fair to the house".
Jim

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Jim Luttrall
Mr. Inspector.net, Inc.
Allen, Texas 75002