source:
  type: guide
  id: va-m26-7-ch10-t28
  authority: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 10, Topic 28 — Title
    Limitations
  description: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 10, Topic 28 — Title
    Limitations.
  coverage_tier: operative
obligations:
- id: va-m26-7-ch10-t28-full
  canonical_id: va-m26-7-ch10-t28-full
  section: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 10, Topic 28 — Title Limitations
  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 10, Topic 28 — Title
      Limitations
    source_class: va-handbook
    source_url: https://www.benefits.va.gov/warms/pam26_7.asp
    snapshot_id: 454f0e7af6f49c3b
    fetched_at: '2026-05-23T01:53:53Z'
    content_hash: sha256:0551eb031df071b1ef69a627ad29b5a2c41dc00e3e2b9ccd421133b2561fa57d
    paragraph_quote: '28. Title Limitations Change Date March 11, 2019 • This chapter
      has been revised in its entirety. a. Lender Responsibilities If the lender determines
      that a title limitation or condition discovered prior to loan closing may affect
      eligibility, the lender must contact the appraiser to determine if the property
      is still eligible to become the security for a VA-guaranteed loan. If the condition
      was discovered after the effective date of the appraisal, the appraiser may
      consider this a new assignment and an additional fee may be charged to the Veteran.
      b. VA Processing Procedures If VA becomes aware of limitations or conditions
      which were not considered in the appraisal report or covered by 38 CFR 36.4354,
      the RLC of jurisdiction will: • contact the fee appraiser if additional information
      is needed to determine the effect of the limitation or condition on the value
      estimate, • consider the impact of the condition or limitation on the reasonable
      value of the property, • describe the condition or limitation in WebLGY notes,
      and • issue an amended NOV, if appropriate. VA Pamphlet 26-7, Revised Chapter
      10: Appraisal Process 10-42 Appendix 1. Steps for Requesting an Appraisal Step
      Action 1 Obtain a user ID and password for the Veterans Information Portal (VIP)
      (see Chapter 10, Topic 2 of this Handbook) 2 Ensure that the property is eligible
      for an appraisal. Contact the RLC with any questions about property eligibility
      or if the property is not eligible, but is already the security for a VA loan
      3 Request for Certificate of Eligibility (COE) 4 Log on to VIP and select WebLGY
      > Request Appraisal > Select Appraisal Type 5 Input all requested information
      to generate VA Form 26-1805-1, VA Request for Determination of Reasonable Value
      6 To avoid a delay for the Veteran, provide a complete legal description and
      ensure that the Point of Contact’s (POC) information is correct and that the
      POC can provide access to the property for the appraiser without any additional
      calls 7 WebLGY will: - assign a case number (in liquidation cases, this will
      be the existing VA loan number for the property that must be provided by the
      requester) - assign an appraiser (since VA is required by law to select the
      fee appraiser on a rotational basis from a panel maintained by VA) -generate
      a completed VA Form 26-1805-1, VA Request for Determination of Reasonable Value
      -e-mail the assignment to the VA-assigned fee appraiser Continued on next page
      VA Pamphlet 26-7, Revised Chapter 10: Appraisal Process 10-43 Appendix 1. Steps
      for Requesting an Appraisal, continued Step Action 8 If the Veteran is purchasing
      a home, the same day the assignment is made, the requester must upload a copy
      of the sales contract and any construction exhibits into WebLGY. VA highly recommends
      the use of reduced-size construction drawings to save copying, mailing, and
      storage costs for all parties involved. Building plans, elevations and details,
      traditionally drawn at ¼ inch scale and larger, can be photographically reduced
      or computer-drawn to be clearly readable on 8½ by 14-inch pages. Other exhibits
      normally provided in an 8½ by 11-inch format (such as specifications, certifications,
      etc.) must not be further reduced. VA does not accept 11 by 17-inch pages as
      this size is not compatible with scanning equipment generally available to program
      participants. 9 For all appraisal types, if the legal description is lengthy
      and does not fit in the legal description block on the appraisal request, a
      copy of the complete legal description must be uploaded into WebLGY the same
      day the assignment is made. 10 In most cases, the appraisal will be assigned
      instantly. If an appraiser is not assigned by WebLGY, please notify the RLC
      of jurisdiction. Requesters must not re-enter the information as a duplicate
      appraisal request will be generated. RLC Contact Information http://www.benefits.va.gov/HOMELOANS/contact_cv.asp
      or http://www.benefits.va.gov/HOMELOANS/contact_rlc_info.asp'
  judgment: false
