source:
  type: regulation
  id: va-m26-7-ch18
  authority: "VA Lender Handbook M26-7 Chapter 18 — Servicer Appraisal Processing Program (SAPP)"
  description: 'VA Pamphlet 26-7 Chapter 18 governs the Servicer Appraisal Processing

    Program (SAPP).

    '
obligations:
- id: va-m26-7-ch18-sapp-servicer-eligibility
  canonical_id: va-m26-7-ch18-sapp-servicer-eligibility
  section: "VA M26-7 Ch. 18, Topic 1, Subsection b — Servicer Eligibility Requirements"
  description: 'To be granted SAPP authority, [SERVICER] must have a VA servicer

    identification number (ID), an association with a single lender

    having a VA lender ID, and an effective quality control (QC) system

    that ensures the adequacy and quality of its SARs. Under SAPP, a

    servicer may only have an association with a single lender.

    '
  type: do
  audit_question: For [SERVICER]'s SAPP authority, can [SERVICER] evidence (i) issuance of a VA servicer ID, (ii) association with a single VA-lender-ID-holding lender, and (iii) an effective QC system covering SAR adequacy and quality?
  workflow_phase: servicing
  owner_role: compliance_officer
  secondary_owner_role: ''
  cadence: continuous
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - va
  - m26-7
  - ch18
  - sapp
  - servicer-eligibility
  - promoted
  primary_source:
    tier: 1
    authority: "VA Lender Handbook M26-7 Chapter 18 — Servicer Appraisal Processing Program (SAPP)"
    source_class: va-handbook-m26-7
    source_url: https://benefits.va.gov/WARMS/M26_7.asp
    snapshot_id: 34112e99016b0680
    fetched_at: '2026-05-23T01:50:00Z'
    content_hash: sha256:1735e2e83fc5c6fe6d74455696b4598c88331cc488c987c8bf66437a97300d61
    paragraph_quote: 'To be granted SAPP authority, the servicer must have: '
    drafter_attestation: "Copied verbatim from VA Handbook snapshot 34112e99016b0680 (M26-7 Ch. 18.1b — SAPP servicer eligibility) at 2026-05-23. Source PDF retrieved via Wayback Machine."
  promoted_at: '2026-05-23T02:20:34+00:00'
  promoted_from: va-m26-7-ch18-roundb-v1.yaml
  program_review: Does the program evidence SAPP eligibility — a VA servicer ID, association with a single VA-lender-ID-holding lender, and an effective QC system ensuring SAR adequacy and quality?
  file_review: 'Entity-level check: confirm the VA servicer ID, single-lender association, and an operating QC system over SAR quality. The officer judges whether the QC system is effective in operation.'
  judgment: true
- id: va-m26-7-ch18-sapp-sar-full-time-3yr
  canonical_id: va-m26-7-ch18-sapp-sar-full-time-3yr
  section: "VA M26-7 Ch. 18, Topic 1, Subsection c — SAR Eligibility Requirements"
  description: '[SERVICER] exercises its SAPP authority through an employee who is a

    VA-approved Staff Appraisal Reviewer (SAR). A SAR must be a full-

    time salaried employee of the lender/servicer and have at least

    three years of work experience qualifying him or her to competently

    perform administrative appraisal reviews.

    '
  type: do
  audit_question: For every individual [SERVICER] employs as a SAPP SAR, can [SERVICER] evidence that the SAR is a full-time salaried employee of the lender/servicer and has at least three years of qualifying appraisal-review work experience?
  workflow_phase: servicing
  owner_role: compliance_officer
  secondary_owner_role: ''
  cadence: continuous
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - va
  - m26-7
  - ch18
  - sapp-sar
  - qualifications
  - promoted
  primary_source:
    tier: 1
    authority: "VA Lender Handbook M26-7 Chapter 18 — Servicer Appraisal Processing Program (SAPP)"
    source_class: va-handbook-m26-7
    source_url: https://benefits.va.gov/WARMS/M26_7.asp
    snapshot_id: 34112e99016b0680
    fetched_at: '2026-05-23T01:50:00Z'
    content_hash: sha256:1735e2e83fc5c6fe6d74455696b4598c88331cc488c987c8bf66437a97300d61
    paragraph_quote: The servicer exercises its SAPP authority through an employee who is a VA-
    drafter_attestation: "Copied verbatim from VA Handbook snapshot 34112e99016b0680 (M26-7 Ch. 18.1c — SAPP SAR eligibility) at 2026-05-23. Source PDF retrieved via Wayback Machine."
  promoted_at: '2026-05-23T02:20:34+00:00'
  promoted_from: va-m26-7-ch18-roundb-v1.yaml
  program_review: Does the program ensure each SAPP SAR is a full-time salaried employee of the lender/servicer with at least three years of qualifying appraisal-review work experience?
  file_review: Review SAPP SAR personnel records; confirm full-time salaried status and 3+ years qualifying experience. The officer judges whether the experience qualifies the SAR.
  judgment: true
- id: va-m26-7-ch18-sapp-sar-new-employer-reapply
  canonical_id: va-m26-7-ch18-sapp-sar-new-employer-reapply
  section: "VA M26-7 Ch. 18, Topic 1, Subsection d — SAR Employed by New Servicer"
  description: 'If a SAR begins work for a new servicer, the SAR''s SAPP authority

    automatically ceases and does not transfer. To reinstate the SAR''s

    SAPP authority, the new servicer employer must promptly submit to

    VA a new SAPP application and a $100 processing fee.

    '
  type: do
  audit_question: For every SAPP SAR [SERVICER] newly hires, can [SERVICER] evidence prompt submission to VA of (i) a new SAPP application and (ii) the $100 processing fee, with SAPP authority not exercised until reinstated by VA?
  workflow_phase: servicing
  owner_role: compliance_officer
  secondary_owner_role: ''
  cadence: per_event
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - va
  - m26-7
  - ch18
  - sapp
  - sar-transfer
  - promoted
  primary_source:
    tier: 1
    authority: "VA Lender Handbook M26-7 Chapter 18 — Servicer Appraisal Processing Program (SAPP)"
    source_class: va-handbook-m26-7
    source_url: https://benefits.va.gov/WARMS/M26_7.asp
    snapshot_id: 34112e99016b0680
    fetched_at: '2026-05-23T01:50:00Z'
    content_hash: sha256:1735e2e83fc5c6fe6d74455696b4598c88331cc488c987c8bf66437a97300d61
    paragraph_quote: "If a SAR begins work for a new servicer, the SAR’s SAPP authority "
    drafter_attestation: "Copied verbatim from VA Handbook snapshot 34112e99016b0680 (M26-7 Ch. 18.1d — SAR new servicer) at 2026-05-23. Source PDF retrieved via Wayback Machine."
  promoted_at: '2026-05-23T02:20:34+00:00'
  promoted_from: va-m26-7-ch18-roundb-v1.yaml
  program_review: Does the program account for the SAPP-non-transfer rule — when a SAR moves to a new servicer, authority ceases automatically, and the new employer must promptly submit a new SAPP application and $100 fee before the SAR exercises authority?
  file_review: Spot-check newly-hired SAPP SARs; confirm the new SAPP application and $100 fee were submitted and authority was not exercised until VA reinstated it.
  judgment: false
_promotion_history:
- promoted_at: '2026-05-23T02:20:34+00:00'
  candidate_path: obligations\_remediation\_round_b_drafts\va-m26-7-ch18-roundb-v1.yaml
  candidates_promoted: 3
  candidates_skipped_existing: 0
