source:
  type: guide
  id: va-m26-7-ch13-t16
  authority: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 13, Topic 16 — Other
    Conditions
  description: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 13, Topic 16 — Other
    Conditions.
  coverage_tier: operative
obligations:
- id: va-m26-7-ch13-t16-full
  canonical_id: va-m26-7-ch13-t16-full
  section: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 13, Topic 16 — Other Conditions
  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 13, Topic 16 — Other
      Conditions
    source_class: va-handbook
    source_url: https://www.benefits.va.gov/warms/pam26_7.asp
    snapshot_id: 7bf94e7ed62e01fb
    fetched_at: '2026-05-23T01:53:53Z'
    content_hash: sha256:5b3ac5aae82a9e7a96541d2a367f66087cccf6e9745e4e093a3d5adf63582332
    paragraph_quote: '16. Other Conditions Any additional requirements should be listed
      in Item 16, for example, an unvented space heater (see Chapter 12, Topic 24
      of this handbook), an airport safety zone (see Chapter 12, Topic 41 of this
      handbook), requirements for cisterns (see Chapter 12, Topic 17 of this handbook),
      stationary storage tanks containing flammable material (see Chapter 12, Topic
      37 of this handbook), or any local requirements (see Chapter 12, Topic 1, Item
      h of this Handbook). VA Pamphlet 26-7, Revised Chapter 13: Notices of Value
      13-16 Appendix A. Notice of Value Sample Letter Change Date July 22, 2019 •
      This chapter has been revised in its entirety. [Reminder: The NOV must be mailed
      or emailed to the Veteran on the date issued.] [on lender''s letterhead] LENDER''S
      NOTICE OF VALUE [date NOV issued] [Veteran’s name] LENDER LOAN #: [Veteran’s
      current address] VA CASE #: [Veteran’s city, state, zip code] APPRAISAL REVIEWER:
      [SAR name, SAR id #] PROPERTY ADDRESS: [complete address] Dear [Mr. or Ms.]
      [Veteran’s last name]: The above property has been appraised by a fee appraiser
      assigned by the VA Regional Loan Center in [ RLC City and State]. On [date NOV
      issued], the VA-authorized appraisal reviewer personally reviewed the fee appraiser''s
      report and determined the property''s estimated reasonable value to be $[ value
      ]. The maximum repayment period for a loan secured by this property is [30 years
      or estimated remaining economic life on appraisal, whichever is less]. The VA
      appraisal was made to determine the reasonable value of the property for loan
      purposes. The appraisal must not be considered a building inspection. Neither
      VA nor the lender can guarantee that the home will be satisfactory to you in
      all respects or that all equipment will operate properly. A thorough inspection
      of the property by you or a reputable inspection firm may help minimize any
      problems that could arise after loan closing. In an existing home, particular
      attention should be given to plumbing, heating, electrical and roofing components.
      VA recommends testing for radon, which the government has determined can cause
      lung cancer. REMEMBER: VA GUARANTEES THE LOAN, NOT THE CONDITION OF THE PROPERTY
      Continued on next page VA Pamphlet 26-7, Revised Chapter 13: Notices of Value
      13-17 Appendix A, continued The following marked conditions apply to this property:
      1. ENERGY CONSERVATION. ( ) a. Existing property. You may wish to contact a
      qualified person/firm for a home energy audit to identify needed energy efficiency
      improvements to the property. In some localities, the utility company may perform
      this service. The mortgage amount may be increased as a result of making energy
      efficiency improvements such as: Solar or conventional heating/cooling systems,
      water heaters, insulation, weather-stripping/caulking, and storm windows/doors.
      Other energy related improvements may also be considered. ( ) b. New or proposed
      construction property. Builder''s certification that this new dwelling was constructed
      to meet the energy conservation standards of the International Residential Code
      (IRC). 2. WOOD-DESTROYING INSECT INFORMATION. ( ) a. Inspection Report (Existing
      or New Construction). The property must be inspected by a qualified pest control
      operator using Form NPMA-33, or other VA-approved collection method. Any reported
      infestation or structural damage affecting the value of the property must be
      corrected to VA''s satisfaction prior to loan settlement. You must acknowledge
      receipt of a copy of the inspection report in the space provided on the form.
      ( ) b. Soil Treatment Guarantee (Proposed Construction). Properly completed
      NPMA-99a and NPMA- 99b forms are required. The lender will provide you with
      a copy of these forms. 3. LIEN-SUPPORTED ASSESSMENT. ( ) a. Homeowner Association
      Fee. Estimated fee of $[0.00] per [period of time]. ( ) b. Other (Special Assessments,
      Assessments by local taxing authorities) 4. ( ) CONDOMINIUM. Evidence that the
      condominium project meets VA requirements. 5. ( ) PRIVATE ROAD/SHARED DRIVEWAY.
      Evidence that use of the private road/shared driveway is protected by a recorded
      permanent easement or recorded right-of-way from the property to a public road,
      and that a provision exists for its continued maintenance. Continued on next
      page VA Pamphlet 26-7, Revised Chapter 13: Notices of Value 13-18 Appendix A,
      continued 6. ( ) FLOOD INSURANCE. If improvements on this property are located
      in a FEMA Special Flood Hazard Area, flood insurance is required. The lender
      must verify flood zone information provided on an appraisal report. 7. WATER/SEWAGE
      SYSTEM ACCEPTABILITY. Evidence from the local health authority or other source
      authorized by VA that the individual ( ) water supply, and/or ( ) sewage disposal
      system(s) is/are acceptable. 8. CONNECTION TO ( ) PUBLIC WATER and/or ( ) PUBLIC
      SEWER. Required only when connection is mandated by a local authority. 9. (
      ) REPAIRS. The ( ) lender ( ) fee appraiser (_________[insert name]__________)
      is to certify that the following repairs have been satisfactorily completed.
      ____________________________________________________________________________________
      ____________________________________________________________________________________
      ____________________________________________________________________________________
      ____________________________________________________________________________________
      _______________________________________________________________ Important –
      please see the above second paragraph about your responsibility concerning the
      condition of the property. 10. ( ) POST CONSTRUCTION INSPECTION. The fee appraiser
      (_________[insert name]__________) must visit the property and certify that
      construction substantially complies with the certified construction exhibits
      on which the appraisal was based, or that the construction is in accordance
      with the model home and related information on which the appraisal was based,
      and that improvements comply with any conditions in the sales contract. 11.
      NEW CONSTRUCTION INSPECTIONS/WARRANTY. ( ) a. Provide copy of the Certificate
      of Occupancy (CO), or equivalent document, issued by a local building authority.
      or ( ) b. The local authority does not perform construction inspections. The
      lender is to certify that the property is complete (both on-site and off-site
      improvements) and that it meets VA MPRs for existing construction. The lender
      must obtain the Veteran’s written acknowledgement that the property was not
      inspected during construction. Continued on next page VA Pamphlet 26-7, Revised
      Chapter 13: Notices of Value 13-19 Appendix A, continued ( ) c. The builder
      must provide a 1-year VA builder’s warranty completed on VA Form 26-1859, Warranty
      of Completion of Construction. VA will provide assistance with construction
      complaints limited to defects in equipment, material, and workmanship reported
      during the 1-year builder''s warranty period. or ( ) d. Provide evidence of
      enrollment in a 10-year insurance backed protection plan. VA will not assist
      with any construction complaints. 12. PROPOSED CONSTRUCTION INSPECTIONS/WARRANTY.
      ( ) a. Provide a copy of the Certificate of Occupancy (CO), or equivalent document,
      issued by the local building authority. The builder must provide a 1-year VA
      builder’s warranty completed on VA Form 26-1859, Warranty of Completion of Construction.
      VA will provide assistance with construction complaints limited to defects in
      equipment, material and workmanship reported during the one-year builder''s
      warranty period. or ( ) b. The local authority does not perform construction
      inspections, therefore the property must be covered by both a 10-year insurance
      backed protection plan and a 1-year VA builder''s warranty on VA Form 26-1859,
      Warranty of Completion of Construction. The lender is to certify that the property
      is complete (both on-site and off-site improvements) and that it meets VA MPRs
      for existing construction. VA will provide assistance with construction complaints
      limited to defects in equipment, material, and workmanship reported during the
      1-year builder''s warranty period only. The lender must obtain the Veteran’s
      written acknowledgement that the property was not inspected during construction.
      13. NEW OR PROPOSED MANUFACTURED HOME. ( ) a. Provide a copy of the Certificate
      of Occupancy (CO), or equivalent document, issued by the local building authority.
      Provide the warranty on VA Form 26-8599, Manufactured Home Warranty, and a 1-year
      VA builder’s warranty on VA Form 26-1859, Warranty of Completion of Construction.
      VA will provide assistance with construction complaints limited to defects in
      equipment, material and workmanship reported during the one-year builder''s
      warranty period. or ( ) b. The local authority does not perform construction
      inspections. The lender must provide evidence that the manufactured home has
      been installed on a permanent foundation. Provide warranty on VA Form 26-8599,
      Manufactured Home Warranty, and a 1-year VA builder’s warranty on VA Form 26-
      1859, Warranty of Completion of Construction. VA will provide assistance with
      construction complaints limited to defects in equipment, material, and workmanship
      reported during the 1-year builder''s warranty period. The lender must obtain
      the Veteran’s written acknowledgement that the property was not inspected during
      the construction of the manufactured home foundation. Continued on next page
      VA Pamphlet 26-7, Revised Chapter 13: Notices of Value 13-20 Appendix A, continued
      14. ( ) LEAD/WATER DISTRIBUTION SYSTEM. The builder''s certification which identifies
      this dwelling and states that the solders and flux used in construction did
      not contain more than 0.2 percent lead and that the pipes and pipe fittings
      used did not contain more than 8.0 percent lead. 15. ( ) RADON GAS. Builder
      to certify that radon resistant construction techniques were used and construction
      meets local building codes and state regulations for radon control, where applicable.
      In the absence of any building codes, certification will be based upon IRC requirements.
      16. OTHER CONDITIONS ____________________________________________________________________________________
      ____________________________________________________________________________________
      ____________________________________________________________________________________
      ____________________________________________________________________________________
      ____________________________________________________________________________________
      ______________________________ Expiration Date: (six months from date of appraisal).
      Sincerely, (WebLGY will automatically enter the name of the individual who logged
      into WebLGY with a password and issue the NOV).'
  judgment: false
