It is important to understand that a VA guaranty has nothing to do with a home warranty or the condition of the home you are buying. The VA guaranty is simply protecting the lender in the event that you default on the loan. The VA can not guarantee that the home is in good condition or free from defects and it can not guarantee that you will be satisfied with the home. It is your responsibility to pay for a home inspection to ensure that the home is in good repair.