VA Lender Handbook M26-7 Chapter 10 — Appraisal Process

va-m26-7-ch10

VA Pamphlet 26-7 Chapter 10 governs the VA appraisal process.

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source:
  type: regulation
  id: va-m26-7-ch10
  authority: VA Lender Handbook M26-7 Chapter 10 — Appraisal Process
  description: |
    VA Pamphlet 26-7 Chapter 10 governs the VA appraisal process.
  effective_date: '2019-03-11'
obligations:
  - id: va-m26-7-ch10-agents-familiar-with-requirements
    canonical_id: va-m26-7-ch10-agents-familiar-with-requirements
    section: VA M26-7 Ch. 10 — Agents Familiarity with Appraisal Requirements
    description: |
      [LENDER] must ensure that agents requesting appraisals on its behalf
      are familiar with the appraisal requirements in M26-7 Chapter 10.
    type: do
    audit_question: For every VA appraisal request placed by an agent on [LENDER]'s behalf, can [LENDER] evidence that the agent has been trained on or attested to familiarity with the M26-7 Chapter 10 appraisal requirements?
    program_review: Does the program ensure agents requesting appraisals on [LENDER]'s behalf are trained on / attest to familiarity with the M26-7 Ch. 10 appraisal requirements?
    file_review: Review agent training/attestation records; spot-check agent-placed appraisal requests against documented familiarity.
    judgment: false
    feeds: []
    workflow_phase: origination
    owner_role: compliance_officer
    secondary_owner_role: loan_officer
    cadence: continuous
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - va
      - m26-7
      - ch10
      - appraisal
      - agent-oversight
      - promoted
    primary_source:
      tier: 1
      authority: VA Lender Handbook M26-7 Chapter 10 — Appraisal Process
      source_class: va-handbook-m26-7
      source_url: https://benefits.va.gov/WARMS/M26_7.asp
      snapshot_id: 454f0e7af6f49c3b
      fetched_at: '2026-05-23T01:50:00Z'
      content_hash: sha256:0551eb031df071b1ef69a627ad29b5a2c41dc00e3e2b9ccd421133b2561fa57d
      paragraph_quote: of this chapter. Lenders must ensure that agents requesting appraisals on their behalf are familiar with the requirements in this chapter.
      drafter_attestation: Copied verbatim from VA Handbook snapshot 454f0e7af6f49c3b (M26-7 Ch. 10 — Agent familiarity) at 2026-05-23. Source PDF retrieved via Wayback Machine.
      quote_healed: true
      effective_date: '2019-03-11'
      effective_date_source: va-change-date-preceding
    promoted_at: '2026-05-23T02:09:59+00:00'
    promoted_from: va-m26-7-ch10-roundb-v1.yaml
  - id: va-m26-7-ch10-new-construction-property-certify
    canonical_id: va-m26-7-ch10-new-construction-property-certify
    section: VA M26-7 Ch. 10 — New Construction Property Completion Certification
    description: |
      Where the local authority does not provide construction inspections
      on a new-construction VA loan, [UNDERWRITER] must certify that the
      property is complete (both on-site and off-site improvements) and
      meets VA Minimum Property Requirements for existing construction
      (Chapter 12 of the Handbook).
    type: do
    audit_question: For every VA new-construction loan in a jurisdiction without local-authority construction inspections, can [UNDERWRITER] evidence a lender certification of property completion (on-site AND off-site) and conformance with VA MPRs for existing construction per Chapter 12?
    program_review: Does the program account for the no-local-inspection new-construction path — a lender certification of property completion (on-site and off-site) and conformance with VA MPRs for existing construction (Chapter 12)?
    file_review: Spot-check new-construction loans in jurisdictions without local-authority inspections; confirm the completion/MPR-conformance certification.
    judgment: false
    feeds: []
    workflow_phase: closing
    owner_role: compliance_officer
    secondary_owner_role: underwriter
    cadence: per_loan
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - va
      - m26-7
      - ch10
      - new-construction
      - mpr-certification
      - promoted
    primary_source:
      tier: 1
      authority: VA Lender Handbook M26-7 Chapter 10 — Appraisal Process
      source_class: va-handbook-m26-7
      source_url: https://benefits.va.gov/WARMS/M26_7.asp
      snapshot_id: 454f0e7af6f49c3b
      fetched_at: '2026-05-23T01:50:00Z'
      content_hash: sha256:0551eb031df071b1ef69a627ad29b5a2c41dc00e3e2b9ccd421133b2561fa57d
      paragraph_quote: insurance backed warranty. The lender must certify that the property is complete (both on-site and off-site improvements), and that it meets VA MPRs for existing construction (see Chapter 12 of this Handbook).
      drafter_attestation: Copied verbatim from VA Handbook snapshot 454f0e7af6f49c3b (M26-7 Ch. 10 — New construction certification) at 2026-05-23. Source PDF retrieved via Wayback Machine.
      quote_healed: true
      effective_date: '2019-03-11'
      effective_date_source: va-change-date-preceding
    promoted_at: '2026-05-23T02:09:59+00:00'
    promoted_from: va-m26-7-ch10-roundb-v1.yaml
  - id: va-m26-7-ch10-no-warranty-veteran-acknowledgment
    canonical_id: va-m26-7-ch10-no-warranty-veteran-acknowledgment
    section: VA M26-7 Ch. 10, Topic 19 — Veteran Acknowledgment for No-Warranty New Construction
    description: |
      Where the Veteran is purchasing a new-construction property without
      a warranty, [UNDERWRITER] must obtain the Veteran's signed
      acknowledgment that no construction warranty is provided and that
      VA will not assist with any construction defects.
    type: do
    audit_question: For every VA loan on a new-construction property purchased without a warranty, can [UNDERWRITER] evidence retention of the Veteran's signed acknowledgment that no construction warranty is provided and VA will not assist with construction defects?
    program_review: Does the program account for the no-warranty new-construction case — obtain the Veteran's signed acknowledgment that no construction warranty is provided and VA will not assist with construction defects?
    file_review: Spot-check no-warranty new-construction files; confirm the Veteran's signed no-warranty acknowledgment.
    judgment: false
    feeds: []
    workflow_phase: origination
    owner_role: compliance_officer
    secondary_owner_role: closer
    cadence: per_loan
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - va
      - m26-7
      - ch10
      - no-warranty
      - veteran-acknowledgment
      - promoted
    primary_source:
      tier: 1
      authority: VA Lender Handbook M26-7 Chapter 10 — Appraisal Process
      source_class: va-handbook-m26-7
      source_url: https://benefits.va.gov/WARMS/M26_7.asp
      snapshot_id: 454f0e7af6f49c3b
      fetched_at: '2026-05-23T01:50:00Z'
      content_hash: sha256:0551eb031df071b1ef69a627ad29b5a2c41dc00e3e2b9ccd421133b2561fa57d
      paragraph_quote: The lender must obtain the Veteran’s signed acknowledgement that no construction warranty is provided and that VA will not assist with any construction defects.
      drafter_attestation: Copied verbatim from VA Handbook snapshot 454f0e7af6f49c3b (M26-7 Ch. 10, Topic 19 — Veteran no-warranty acknowledgment) at 2026-05-23. Source PDF retrieved via Wayback Machine.
      quote_healed: true
      effective_date: '2019-03-11'
      effective_date_source: va-change-date-preceding
    promoted_at: '2026-05-23T02:09:59+00:00'
    promoted_from: va-m26-7-ch10-roundb-v1.yaml
_promotion_history:
  - promoted_at: '2026-05-23T02:09:59+00:00'
    candidate_path: obligations\_remediation\_round_b_drafts\va-m26-7-ch10-roundb-v1.yaml
    candidates_promoted: 3
    candidates_skipped_existing: 0

Verbatim regulatory text (3)

Verbatim provisions from VA Lender Handbook M26-7 Chapter 10 — Appraisal Process — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

VA M26-7 Ch. 10 — Agents Familiarity with Appraisal Requirements

Effective 2019-03-11 · VA Change Date for this topic

of this chapter. Lenders must ensure that agents requesting appraisals on their behalf are familiar with the requirements in this chapter.

Source: VA Lender Handbook M26-7 Chapter 10 — Appraisal Process · source URL · snapshot 454f0e7af6f49c3b

VA M26-7 Ch. 10 — New Construction Property Completion Certification

Effective 2019-03-11 · VA Change Date for this topic

insurance backed warranty. The lender must certify that the property is complete (both on-site and off-site improvements), and that it meets VA MPRs for existing construction (see Chapter 12 of this Handbook).

Source: VA Lender Handbook M26-7 Chapter 10 — Appraisal Process · source URL · snapshot 454f0e7af6f49c3b

VA M26-7 Ch. 10, Topic 19 — Veteran Acknowledgment for No-Warranty New Construction

Effective 2019-03-11 · VA Change Date for this topic

The lender must obtain the Veteran’s signed acknowledgement that no construction warranty is provided and that VA will not assist with any construction defects.

Source: VA Lender Handbook M26-7 Chapter 10 — Appraisal Process · source URL · snapshot 454f0e7af6f49c3b

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Operationalizing VA Lender Handbook M26-7 Chapter 10 — Appraisal Process

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Source of record: https://claudeforcompliance.com/regs/va-m26-7-ch10/ · register va-m26-7-ch10 · Claude for Compliance. Free to read and download; see regulatory updates and methodology.