August 2, 2025
Home Inspections
If you’re buying a home, especially with an FHA-backed mortgage, it’s easy to assume an FHA appraisal covers everything you need to know about the property. We get it. The bank needs it. It’s official. It sounds thorough.
But the reality is that an FHA appraisal is not a home inspection, and it definitely shouldn’t replace one.
Let’s walk through the real differences, the reason both exist, and why skipping a proper home inspection could cost you more than you think, especially if you're buying in places like Kamloops, Vernon, or Salmon Arm where home types and conditions can vary widely.