Do VA loan appraisals attach to the home like FHA appraisals do? If so, for how long?

Asked by Takingitallin, 20895 Thu Sep 9, 2010

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The Roskelly…, Agent, Gambrills, MD
Thu Sep 9, 2010
Hi Taking,

A VA appraisal stays on file with the VA (and therefore "sticks to the house") for a period of 6 months. This would only affect VA loans on your home. FHA also stays with the house for 6 months and only affects FHA buyers. I've had VA and FHA appraisals within two weeks of eachother that varied by $15,000 dollars. It is definitely not an exact science. Your buyer can challenge the appraisal and your listing agent can assist with that by providing comparable data disputing a low appraisal.

Unfortunately with new appraisal regulations it is possible to get an appraiser from a different county or state to assess a property. This is supposed to keep it fair and "arms length". However I have found that without knowledge of a particular area the comps can be greatly skewed either way.

Best of luck to you.
1 vote
This is wrong on FHA appraisal's they stick with the home for 120 day's From
Tony Briggs Keller Williams, Realtor
Flag Fri Jun 12, 2015
, ,
Thu Sep 9, 2010
It should only connect to the home for 6 months, after that you can move on with a different appraisal report. This is assuming work has been done to the property or there is another reason that old value is incorrect or outdated.
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Your Solar R…, Agent, Silver Spring, MD
Wed Feb 6, 2013
I would suggest asking an appraiser and a home mortgage consultant.


Contact: Catherine Purcell
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0 votes
If a house appraised VA and comes in low, can i put the house back on the market and sell it FHA without any problem that the Va appraisal will resurface. Another words does a Va appraisal remain in only the Va file for 6 months or does it also effect FHA Appraisals?
Flag Wed Jan 6, 2016
Fri Sep 10, 2010
It is true that it stays with the house for 6 months, however very few lenders tend to "re-use" the appraisal, but instead what a new one ordered through them

Elena Ollick
Amerivest Realty
Faith Home Loans
0 votes
Takingitallin, , 20895
Thu Sep 9, 2010
Thanks Nick. Would the same appraisal be used for FHA buyers that come along in that 6 months or only additional VA loan buyers.
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