The VA Appraisal and Electrical Systems: What is Required?

Are you wondering how your VA appraiser will feel about exposed wires, a sparking fuse box or knob-and-tube wiring?

No need to worry, Veterans United is here to help. Let’s talk about the electrical requirements of the VA appraisal.

MPRs are fairly vague when it comes to electrical requirements. The VA simply states that “each unit must have electricity for lighting and for necessary equipment” and that mechanical systems “be safe to operate.”

So what does that mean?

Key Factors: Local Codes and Safety

The electrical portion of the VA appraisal comes down to two key factors: local building codes and safety. As long as the home’s electrical system is acceptable to the local building authority, it’s acceptable to the VA.

In rural spots or areas without building codes, the VA asks its appraisers to defer to the National Fire Protection Association’s Electrical Code Requirements.

The VA understands that appraisers are not skilled electricians, and that’s okay. VA appraisers are asked to evaluate a home’s electrical system as well as they can, with a special focus on safety issues.

So a smoking fuse or exposed wire will definitely cause a problem with a VA loan. Less obvious issues will probably prompt the appraiser to call for a professional electrical inspection.

VA Electrical Requirements

While VA appraisers use the minimum property requirements to assess a home’s electrical system, here are some key points they look for:

• Electricity may be shared among units as long as there are separate service shut-offs
• Connections from the main to the building line may be shared but only when those connections are protected by an easement and a maintenance agreement acceptable to VA
• Easy access for electrical maintenance and repairs
• Mechanical systems must be safe to operate and protected from various elements

Electrical Issues to Consider

Sometimes appraisers identify electrical issues that must be repaired before the loan can close. These issues are not necessarily unsafe at the time but could evolve into a bigger problem. For example, flickering lights could signify poor connection within the wiring.

Some other minor issues include dead outlets, frequently tripping breakers, short circuits and the overuse of extension cords. The VA appraiser may request a more thorough evaluation, such as a home inspection, to further assess the issues.

VA Electrical System FAQs