How VA Appraisals Work in Queen Creek, AZ — What Homebuyers Need to Know
VA appraisals are a key step in securing your VA home loan in Queen Creek, AZ. Here’s what they are, how they work, and why you need the right mortgage broker to guide you through it.
What Is a VA Appraisal?
When you're buying a home in Queen Creek, AZ using a VA loan, the Department of Veterans Affairs requires an official VA appraisal before approving your home loan. This is not just a typical property check—it’s a two-part evaluation designed to protect you and your lender.
The VA appraisal:
Assesses the home’s market value
Checks if the property meets the VA’s Minimum Property Requirements (MPRs)
Why Is a VA Appraisal Required?
Simple: The VA wants to ensure you’re not overpaying for the home and that the property is safe, structurally sound, and sanitary. Think of it as a quality control checkpoint before you fully commit.
As your loan officer here at Brick Mortgage in Queen Creek, we walk you through this process step-by-step to keep surprises at bay.
What Does the VA Appraiser Look At?
The appraiser will:
Compare your home to similar properties recently sold in Queen Creek
Verify the home’s fair market value
Ensure the home meets safety and habitability standards (like working utilities, proper roofing, and no major hazards)
⚠️ Note: This is not the same as a home inspection. A home inspection is more thorough and optional—but highly recommended.
What Happens If the Home Doesn't Appraise?
If the appraised value comes in lower than the sales price, don’t panic:
You can renegotiate with the seller
You can pay the difference out of pocket
Or we can request a Reconsideration of Value (ROV) through the VA
We help you navigate these options so your mortgage doesn’t hit a dead end.
How Long Does It Take?
In Queen Creek, VA appraisals typically take 7–10 business days, but that can vary based on availability and market activity. We keep tabs on your appraisal so you’re not left wondering what’s happening behind the scenes.
Why Brick Mortgage?
At Brick Mortgage, we’re proud to help veterans and active-duty military families in Queen Creek secure home loans that honor their service. We’re not a big-box lender—we’re your local mortgage broker with heart, hustle, and real answers.
Final Thoughts
VA appraisals are a required step, but with the right loan officer by your side, they won’t slow you down. We make the process smooth so you can move into your new Queen Creek home with peace of mind.
📞 Questions about VA loans or VA appraisals? Let’s talk. We’re right here in Queen Creek and ready to help.