source:
  type: guide
  id: va-m26-7-ch12-t42
  authority: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 12, Topic 42 — Modular
    Homes
  description: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 12, Topic 42 — Modular
    Homes.
  coverage_tier: operative
obligations:
- id: va-m26-7-ch12-t42-full
  canonical_id: va-m26-7-ch12-t42-full
  section: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 12, Topic 42 — Modular
    Homes
  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 12, Topic 42 — Modular
      Homes
    source_class: va-handbook
    source_url: https://www.benefits.va.gov/warms/pam26_7.asp
    snapshot_id: 824171a914866a59
    fetched_at: '2026-05-23T01:53:53Z'
    content_hash: sha256:71efd8bb39bb5596ad194f1b13e6f979cfa1afbf5566e897e26836fc1ab0429e
    paragraph_quote: '42. Modular Homes Change Date March 28, 2019 • This chapter
      has been revised in its entirety. a. State/Local Codes Modular homes must meet
      all state and local building codes. b. Comparable Sales The appraiser will typically
      treat modular housing and on-frame modular housing in the same manner as conventionally
      built housing. The appraiser must select comparable sales that would be competing
      properties on the market which may include modular homes, conventionally built
      homes, or manufactured homes. c. On-frame Modular Home Requirements On-frame
      modular housing is factory built on a permanent chassis. The appraiser must
      ensure that: • all running gear is removed, • the crawl space is covered by
      a vapor barrier with vented permanent masonry skirting, • the skirting has an
      access hatch, and • the home is secured to a permanent foundation that meets
      state and local requirements. VA Pamphlet 26-7, Revised Chapter 12: Minimum
      Property Requirements 12-51'
  judgment: false
