source:
  type: guide
  id: va-m26-7-ch13-t03
  authority: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 13, Topic 3 — Appraisal
    Review Process
  description: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 13, Topic 3 — Appraisal
    Review Process.
  coverage_tier: operative
obligations:
- id: va-m26-7-ch13-t03-full
  canonical_id: va-m26-7-ch13-t03-full
  section: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 13, Topic 3 — Appraisal
    Review Process
  type: do
  tags:
  - regulator-direct
  - va
  - va-handbook
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 13, Topic 3 — Appraisal
      Review Process
    source_class: va-handbook
    source_url: https://www.benefits.va.gov/warms/pam26_7.asp
    snapshot_id: 7bf94e7ed62e01fb
    fetched_at: '2026-05-23T01:53:53Z'
    content_hash: sha256:5b3ac5aae82a9e7a96541d2a367f66087cccf6e9745e4e093a3d5adf63582332
    paragraph_quote: '3. Appraisal Review Process Change Date April 12, 2019 • This
      chapter has been revised in its entirety. a. Appraisal Report and Electronic
      Scoring After the appraiser uploads the completed appraisal report, the SAR
      must review the appraisal and the results of the electronic scoring of the appraisal
      by VA’s Appraisal Management System (see Topic 4 of this Chapter). b. Property
      Eligibility and VA Appraisal Guidelines The SAR must ensure that: • the property
      is eligible, and • the appraisal report meets VA guidelines as outlined in Chapters
      10, 11, and 12 of this Handbook. c. MPR Repairs The SAR must review the appraiser’s
      recommendations for any VA Minimum Property Requirement (MPR) repairs and ensure
      that the property meets or will meet VA’s MPRs. The SAR must limit repairs required
      on the NOV to only those repairs that are needed for the property to meet MPRs.
      SARs must place notes in WebLGY justifying any non-MPR repairs or inspections
      recommended by appraisers that the SAR has determined are not required on the
      NOV. d. Clarifications on the Appraisal During the review of an appraisal, in
      most cases, when a question arises, the SAR should first contact the appraiser
      for any needed clarifications and corrections. The SAR must document any contact
      with the appraiser and resolution of appraisal-related concerns in WebLGY notes.
      Customer service expectations are covered in Chapter 10, Topic 6 of this Handbook.
      e. Appraisal Revisions If the appraiser makes any changes to the appraisal report,
      the revised appraisal report must be uploaded into WebLGY. Continued on next
      page VA Pamphlet 26-7, Revised Chapter 13: Notices of Value 13-5 3. Appraisal
      Review Process, continued f. Questions not Resolved by an Appraiser If the question
      is not resolved after contacting the appraiser, the SAR should email the RLC
      for assistance. VA staff will assist the SAR in resolving the question concerning
      the appraisal. g. Property Not Eligible SARs must not issue an NOV for a property
      that cannot reasonably be expected to meet eligibility or VA MPRs prior to loan
      guaranty (see Chapters 10, 11, and 12 of this Handbook). h. NOV to Reflect Appraiser’s
      Estimate of Market Value Once the SAR has determined the appraisal report is
      acceptable to VA, the SAR must issue the NOV in WebLGY at the appraised value.
      If contact with the appraiser resulted in the appraiser uploading an amended
      appraisal report with a changed value, the SAR must issue the NOV at the changed
      (current) value. i. Electronic Issuance of an NOV The SAR is not required to
      sign the NOV in ink since the SAR’s name and VA-issued ID number are automatically
      included on the NOV. This constitutes an electronic signature since SARs log
      into WebLGY with a unique user name and password. j. NOV Provided to the Veteran
      The same day the NOV is issued, the SAR must send the Veteran a copy of the
      NOV together with a copy of the appraisal report. k. Actions after the NOV Issued
      After the NOV has been issued: • employees of lenders associated with the case
      will be able to view and download copies of the appraisal and NOV from WebLGY,
      • Veterans may request a waiver of a repair requirement (see Chapter 12, Topic
      45 of this Handbook), and • interested parties may request a reconsideration
      of value (see Chapter 10, Topic 22 of this Handbook). VA Pamphlet 26-7, Revised
      Chapter 13: Notices of Value 13-6'
  judgment: false
