source:
  type: guide
  id: va-m26-7-ch11-t09
  authority: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 11, Topic 9 — Effective
    Age
  description: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 11, Topic 9 — Effective
    Age.
  coverage_tier: operative
obligations:
- id: va-m26-7-ch11-t09-full
  canonical_id: va-m26-7-ch11-t09-full
  section: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 11, Topic 9 — Effective
    Age
  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 11, Topic 9 — Effective
      Age
    source_class: va-handbook
    source_url: https://www.benefits.va.gov/warms/pam26_7.asp
    snapshot_id: faa7d8c84a0580f3
    fetched_at: '2026-05-23T01:53:53Z'
    content_hash: sha256:960cb068c0b142cd1bb4a0e38f29c6c5b725d24095781b92c663a83e9fd36263
    paragraph_quote: '9. Effective Age Change Date February 22, 2019 • This Chapter
      has been revised in its entirety. a. Estimating Effective Age While the actual
      age is the number of years since the home was constructed, the effective age
      reflects the condition and functional utility of the property. For example,
      remodeling will likely decrease the effective age of a home while a lack of
      maintenance can increase the effective age, possibly to a number greater than
      the actual age. b. Comment if Significant Change From Actual Age The appraiser
      must state the effective age as a single number and include comments if the
      effective age differs significantly from the actual age. c. Completed Repairs
      Considered Since recommended repairs are included in value on origination appraisals,
      the effective age should reflect the condition of the property as repaired.
      VA Pamphlet 26-7, Revised Chapter 11: Appraisal Report 11-14'
  judgment: false
