If you’re buying a home in Louisiana — especially with a VA loan — you need to know the difference between a standard home inspection and what the VA requires to approve your loan.
Here’s a breakdown that could save you time, money, and unexpected surprises after you buy.
🏡 What Is a Standard Home Inspection in Louisiana?
In Louisiana, home inspections are conducted by state-licensed professionals who evaluate the overall condition of a property.
âś… Key Facts:
- Licensed inspectors are regulated by the Louisiana State Board of Home Inspectors
- Inspectors must complete:
- 90 hours of education
- Field training
- A national exam
- Report writing courses
- Insurance coverage of at least $300K
- They provide a detailed written report on the home’s systems and structure
🔍 Your home inspection covers:
- Roof and attic
- Foundation and structure
- HVAC, plumbing, and electrical systems
- Appliances
- Doors, windows, and insulation
- Moisture issues or drainage problems
💡 This inspection is for your protection — to uncover potential problems before you buy.
🪖 What About VA Loan Inspections?
If you’re using a VA loan, you’ll also have to meet the VA’s Minimum Property Requirements (MPRs) — which are different from a standard inspection.
The VA appraisal checks for basic livability — not detailed issues.
The VA appraisal is not a full inspection. It’s required to make sure the home is:
- Safe
- Structurally sound
- Sanitary
🔎 VA Minimum Property Requirements (MPRs) include:
- Safe access to the home (via public or private road)
- Functioning heat, water, and electricity
- No major roof or foundation issues
- No broken windows, peeling paint (if lead-based), or major damage
- Proper drainage (no standing water near the foundation)
🔧 Pest & Termite Inspections
Because Louisiana has a high termite risk, VA loans require a termite inspection.
- The home must be free of active infestation
- Sellers in Louisiana usually cover the cost of this inspection
🧠Why You Need BOTH
Even if you’re using a VA loan (and the VA appraises the property), you should still get your own independent home inspection. Why?
Because the VA appraiser won’t check for:
- Mold or water damage
- Older HVAC units
- Minor leaks
- Structural wear that’s not “disqualifying”
- Roof condition beyond basic safety
Your VA loan protects your financing. A home inspection protects your peace of mind.
📲 Buying with a VA Loan in New Orleans?
Here’s what to do:
- Schedule your own inspection as soon as your offer is accepted
- Use a licensed Louisiana home inspector (ask me for trusted referrals)
- Ensure your lender orders the VA appraisal and termite report
- Negotiate repairs or credits if the inspection or VA appraisal finds issues
🎖️ Final Word for Veterans:
If you’re using a VA loan — you’ve got access to one of the best financing options in the country. But don’t skip the protection that comes with a full inspection.
Let’s make sure your home is safe, solid, and truly yours.
Call or text Bryan K. Owens at (504) 944-1691
I’ll walk you through what to expect, and help you protect your investment the right way.