VA & FHA in the Panhandle: What Appraisals Look For (and What They Don’t)

When buying or selling a home in Amarillo, VA and FHA loans often come up in conversations about financing. These loans are popular in the Texas Panhandle, but they come with specific appraisal requirements. At Green Door Group, we help buyers and sellers understand the process so there are fewer surprises along the way.

Appraisal vs. Inspection: Two Different Things

One of the most important distinctions to make is that an appraisal is not the same as a home inspection.

• Appraisal: Determines the property’s value for the lender and ensures it meets basic condition standards.

• Inspection: Provides a detailed review of the property’s overall condition for the buyer’s decision-making.

For more educational resources, visit our Blog Page.

What VA & FHA Appraisals Look For

Both VA and FHA programs include “minimum property requirements” that focus on health, safety, and livability. Common examples in the Panhandle include:

• Roof Condition: Must protect against moisture intrusion, particularly important after hail or wind events.

• Heating & Cooling Systems: A functioning system that can maintain adequate temperatures.

• Electrical & Plumbing: Safe, operational systems without exposed wiring or leaks.

• Access & Safety: Sturdy handrails, secure entryways, and no trip hazards.

• Water Supply: Safe drinking water and functional connections.

What VA & FHA Appraisals Don’t Cover

It’s just as important to know what these appraisals do not focus on.

• Cosmetic Updates: Paint color, décor, or outdated fixtures.

• Optional Upgrades: Granite countertops, luxury flooring, or designer finishes.

• Detailed Condition Reports: That’s the role of a home inspection, not the appraiser.

Preparing as a Seller

If you’re listing a home in Amarillo and expect VA or FHA buyers, here are steps that can smooth the process:

• Check for peeling paint, especially on older homes.

• Make sure all systems are functional before listing.

• Repair visible safety hazards, like broken steps or missing handrails.

Explore more on preparing your home at our Seller Resources.

Preparing as a Buyer

If you’re using VA or FHA financing, understanding these appraisal requirements can help you:

• Budget for potential repairs the seller may need to complete.

• Stay realistic about which homes may qualify for your loan type.

• Ask questions early so you know what to expect at each step.

Final Takeaway

VA and FHA appraisals in the Texas Panhandle are designed to protect both buyers and lenders by ensuring homes meet basic standards of safety and livability. They don’t focus on cosmetic preferences or luxury upgrades, but they do look closely at major systems and overall habitability.

👉 Want more guidance on navigating Amarillo real estate with VA or FHA financing? Visit Green Door Group to access resources or connect with our team for personalized support.