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.

    '
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?
  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 '
    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."
  promoted_at: '2026-05-23T02:09:59+00:00'
  promoted_from: va-m26-7-ch10-roundb-v1.yaml
  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
- 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?
  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 '
    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."
  promoted_at: '2026-05-23T02:09:59+00:00'
  promoted_from: va-m26-7-ch10-roundb-v1.yaml
  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
- 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?
  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 "
    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."
  promoted_at: '2026-05-23T02:09:59+00:00'
  promoted_from: va-m26-7-ch10-roundb-v1.yaml
  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
_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
