source:
  type: regulation
  id: va-m26-7-ch11
  authority: "VA Lender Handbook M26-7 Chapter 11 — Appraisal Report"
  description: 'VA Pamphlet 26-7 Chapter 11 governs the VA appraisal report.

    '
obligations:
- id: va-m26-7-ch11-sar-familiarity-requirement
  canonical_id: va-m26-7-ch11-sar-familiarity-requirement
  section: "VA M26-7 Ch. 11, Topic 1, Subsection c — SAR Familiarity Requirement"
  description: '[LENDER]''s Staff Appraisal Reviewers (SARs) who are reviewing

    appraisal reports must be familiar with residential appraisal

    principles and VA''s specific requirements for appraisal reports.

    '
  type: do
  audit_question: For every VA appraisal review [LENDER]'s SAR conducts, can [LENDER] evidence that the SAR has documented training and demonstrated familiarity with residential appraisal principles and VA's specific appraisal report requirements?
  workflow_phase: origination
  owner_role: underwriter
  secondary_owner_role: compliance_officer
  cadence: continuous
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - va
  - m26-7
  - ch11
  - sar
  - appraisal-review
  - promoted
  primary_source:
    tier: 1
    authority: "VA Lender Handbook M26-7 Chapter 11 — Appraisal Report"
    source_class: va-handbook-m26-7
    source_url: https://benefits.va.gov/WARMS/M26_7.asp
    snapshot_id: faa7d8c84a0580f3
    fetched_at: '2026-05-23T01:50:00Z'
    content_hash: sha256:960cb068c0b142cd1bb4a0e38f29c6c5b725d24095781b92c663a83e9fd36263
    paragraph_quote: "reports must be familiar with residential appraisal principles and VA’s "
    drafter_attestation: "Copied verbatim from VA Handbook snapshot faa7d8c84a0580f3 (M26-7 Ch. 11, Topic 1c — SAR familiarity) at 2026-05-23. Source PDF retrieved via Wayback Machine."
  promoted_at: '2026-05-23T02:11:05+00:00'
  promoted_from: va-m26-7-ch11-roundb-v1.yaml
  program_review: Does the program ensure SARs reviewing appraisal reports have documented training and familiarity with residential appraisal principles and VA's specific appraisal-report requirements?
  file_review: Review SAR training/competency records; confirm documented familiarity with appraisal principles and VA requirements.
  judgment: false
- id: va-m26-7-ch11-condo-va-accepted-before-guaranty
  canonical_id: va-m26-7-ch11-condo-va-accepted-before-guaranty
  section: "VA M26-7 Ch. 11 — Condominium VA-Acceptance Before Loan Guaranty"
  description: 'All condominium units, including site condominiums and manufactured

    home condominiums, must be located in a condominium development that

    has been accepted by VA prior to loan guaranty. SARs receiving an

    appraisal for a condominium unit in a development that has not been

    at least conditionally accepted by VA may not issue the Notice of

    Value.

    '
  type: do
  audit_question: For every VA loan secured by a condominium unit (including site condominiums and manufactured-home condominiums), can [LENDER] evidence VA acceptance (at least conditional) of the condominium development prior to issuance of the Notice of Value and prior to loan guaranty?
  workflow_phase: origination
  owner_role: underwriter
  secondary_owner_role: loan_officer
  cadence: per_loan
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - va
  - m26-7
  - ch11
  - condominium
  - nov
  - va-acceptance
  - promoted
  primary_source:
    tier: 1
    authority: "VA Lender Handbook M26-7 Chapter 11 — Appraisal Report"
    source_class: va-handbook-m26-7
    source_url: https://benefits.va.gov/WARMS/M26_7.asp
    snapshot_id: faa7d8c84a0580f3
    fetched_at: '2026-05-23T01:50:00Z'
    content_hash: sha256:960cb068c0b142cd1bb4a0e38f29c6c5b725d24095781b92c663a83e9fd36263
    paragraph_quote: 'accepted by VA prior to loan guaranty. SARs receiving an appraisal for a '
    drafter_attestation: "Copied verbatim from VA Handbook snapshot faa7d8c84a0580f3 (M26-7 Ch. 11 — Condo VA acceptance) at 2026-05-23. Source PDF retrieved via Wayback Machine."
  promoted_at: '2026-05-23T02:11:05+00:00'
  promoted_from: va-m26-7-ch11-roundb-v1.yaml
  program_review: Does the program ensure every condominium unit (including site and manufactured-home condos) sits in a VA-accepted (at least conditionally) development before NOV issuance and loan guaranty?
  file_review: Spot-check condo loans; confirm VA acceptance of the development preceded the NOV and guaranty.
  judgment: false
- id: va-m26-7-ch11-appraiser-must-gain-vacant-access
  canonical_id: va-m26-7-ch11-appraiser-must-gain-vacant-access
  section: "VA M26-7 Ch. 11 — Vacant Property Appraiser Access"
  description: 'If the property is vacant, the appraiser must gain access to the

    interior, unless (i) jurisdictional law prohibits the lender from

    gaining or assisting in gaining access (with RLC-waived access),

    (ii) the RLC has case-by-case waived access for valid extenuating

    circumstances, or (iii) the RLC has approved a waiver of the

    servicer''s responsibility to assist in obtaining access. [LENDER]

    must ensure these access conditions are addressed in the appraisal

    workflow.

    '
  type: do
  audit_question: For every VA appraisal on a vacant property, can [LENDER] evidence that the appraiser gained interior access OR that one of the three permitted RLC-approved waivers applies and is documented in the file?
  workflow_phase: origination
  owner_role: compliance_officer
  secondary_owner_role: underwriter
  cadence: per_loan
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - va
  - m26-7
  - ch11
  - vacant-property
  - appraiser-access
  - promoted
  primary_source:
    tier: 1
    authority: "VA Lender Handbook M26-7 Chapter 11 — Appraisal Report"
    source_class: va-handbook-m26-7
    source_url: https://benefits.va.gov/WARMS/M26_7.asp
    snapshot_id: faa7d8c84a0580f3
    fetched_at: '2026-05-23T01:50:00Z'
    content_hash: sha256:960cb068c0b142cd1bb4a0e38f29c6c5b725d24095781b92c663a83e9fd36263
    paragraph_quote: 'If the property is vacant, the appraiser must gain access to the interior, unless: '
    drafter_attestation: "Copied verbatim from VA Handbook snapshot faa7d8c84a0580f3 (M26-7 Ch. 11 — Vacant property access) at 2026-05-23. Source PDF retrieved via Wayback Machine."
  promoted_at: '2026-05-23T02:11:05+00:00'
  promoted_from: va-m26-7-ch11-roundb-v1.yaml
  program_review: Does the program account for the vacant-property access rule and its three RLC-waiver exceptions — the appraiser must gain interior access unless an applicable RLC-approved waiver is documented?
  file_review: Spot-check vacant-property appraisals; confirm interior access or a documented qualifying RLC waiver.
  judgment: false
_promotion_history:
- promoted_at: '2026-05-23T02:11:05+00:00'
  candidate_path: obligations\_remediation\_round_b_drafts\va-m26-7-ch11-roundb-v1.yaml
  candidates_promoted: 3
  candidates_skipped_existing: 0
