Mitchell6024/quickb · Datasets at Hugging Face

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739a9ef3-25ef-4fa5-9dd4-c9f68e3b1051	The appraiser is not required to sketch or note distances between the well, property lines, septic tanks, drain fields, or building structures. f. Testing Water quality test results are valid for 90 days from the date certified by the Validity local health authority unless the local authority indicates otherwise. Period g.	VA_Guidelines.txt
dccb8b2a-c462-4d0d-b2c2-6083ef1d544e	Period g. Connection If public water is available and the local authority mandates connection, Mandated by connection is required (see Topic 16 of this Chapter). a Local Authority 12-23 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 17. Individual Sewage Disposal Change Date March 28, 2019 • This chapter has been revised in its entirety. a.	VA_Guidelines.txt
3af5b55b-def5-4be6-a894-a2f9be33bdce	Individual An individual sewage disposal system must adequately dispose of all domestic Sewage wastes in a sanitary manner which will not create a nuisance, or in any way Disposal endanger the public health. b. Pit Privies Individual pit privies are acceptable where such facilities are customary and installed in accordance with the recommendations of the local health authority. c.	VA_Guidelines.txt
8d390cdc-4b02-444b-8a40-94f932f77d17	Health On proposed construction cases, or new or existing construction cases where Authority the appraiser notes a problem, or if the area is known to have soil percolation Approval problems, health authority approval of the individual sewage disposal system is required. d.	VA_Guidelines.txt
2fd9e555-7310-4ee6-9e28-e30ccfae7ac5	Connection If public sewer is available and the local authority mandates connection, Mandated by connection is required (see Topic 16 of this Chapter). a Local Authority 12-24 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 18. Shared Wells Change Date March 28, 2019 • This chapter has been revised in its entirety. a.	VA_Guidelines.txt
cc81b781-1a4e-44ca-bf4d-45a24287eacc	Shared A shared well refers to a well that serves two or more properties.	VA_Guidelines.txt
bb047d85-c1dc-484b-9ec4-c0ea789d01cc	The shared Well well must be: Requirements • capable of providing a continuing supply of safe and potable water to each property simultaneously, so that each dwelling will be assured a sufficient quantity for all domestic purposes, • protected by a permanent easement, which allows for maintenance and repair, and • maintained under a well-sharing agreement containing provisions for the cost of	VA_Guidelines.txt
c1d79f5a-8d12-45f2-b609-23d5bce53783	agreement containing provisions for the cost of repairs that is binding on the signatory parties and successors in title and has been recorded in public records	VA_Guidelines.txt
09558bcd-ddcd-430f-b273-9c1ea8778445	. b.	VA_Guidelines.txt
436658ff-272d-495e-a942-9438377f8f9e	Appraiser The appraiser must report that that the property is served by a shared well and Responsibility note any readily apparent deficiencies. c. Lender The lender must obtain the shared well agreement and review the agreement to Responsibility determine eligibility. d.	VA_Guidelines.txt
fd4736d8-4a84-4b6e-b2a3-9cdc329cb1f2	Water The water quality must meet the requirements for individual wells described in Quality Topic 17 of this Chapter. 12-25 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 19. Community Water Supply/Sewage Disposal Requirements Change Date March 28, 2019 • This chapter has been revised in its entirety. a.	VA_Guidelines.txt
b84219ce-d385-4e3c-a145-88220fdb5590	Community A community water/sewage system refers to a central system that is owned, Water/Sewer operated, and maintained by a private corporation or a nonprofit property to be Noted in owners’ association. The appraiser must note that the property is on a an Appraisal community water/sewage system in the appraisal report. b. Sufficient The water supply must be sufficient in size for the project.	VA_Guidelines.txt
21fc82b4-e857-4640-b355-b5d2a5c34c4a	Water quality must Water Supply be approved by the local or state health authority. c. Adequate The sewage system must be adequate in size and properly operated and Size Sewage maintained to prevent it from becoming a menace to public health. System d. Local/State The lender must obtain evidence of approval of the facilities by the local or Authority state health authority. Approval e.	VA_Guidelines.txt
cd7eea64-b9a8-4144-8a07-6236eea4bc83	Approval e. Trust Deed A trust deed is required if the local or state authority that approved the system does not: • enforce compliance with its requirements, • fix rates, and • provide for prompt relief in case of deficient operation, service, or exorbitant rates. f.	VA_Guidelines.txt
98b266f3-041d-4238-ad51-2cb5e79b793f	Trust Deed If a trust deed is required for a privately-owned system, it should be similar to for Private the trust deed found in HUD Handbook 4075.12. System 12-26 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 20. Hazards Change Date March 28, 2019 • This chapter has been revised in its entirety. a.	VA_Guidelines.txt
9a2c9b85-1608-40be-bf8b-3811070b6a94	Hazards The property must be free of hazards which may: • adversely affect the health and safety of the occupants, • adversely affect the structural soundness of the dwelling and other improvements to the property, or • impair the customary use and enjoyment of the property by the occupants. b.	VA_Guidelines.txt
1b8e9a05-238a-48dc-bdab-ce94b4b751bc	Prompt The appraiser must notify the lender promptly when a hazard is identified so Notification of that the eligibility of the property may be addressed and, depending on the the Lender nature of the hazard, to provide as much time as possible to resolve the situation. 12-27 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 21.	VA_Guidelines.txt
64d79f3a-6d8d-4d59-a093-bf9fd8d66b61	Defective Conditions Change Date October 18, 2019 • This chapter has been revised in its entirety. a. Definition Conditions which impair the safety, sanitation, or structural soundness of the dwelling will cause the property to be unacceptable until the defects or conditions have been remedied and the probability of further damage eliminated.	VA_Guidelines.txt
4f3da595-8c2c-4f06-a5ad-6e101b57b942	The integrity of the envelope of the structure must not be compromised. b. Appraisals Appraisals must be prepared “subject to” the repair of any defective conditions “Subject to” with the contributory value of the completed repair included in value. Repair of Defective Conditions c.	VA_Guidelines.txt
76de00e6-4c08-476c-8a59-0fecc78c3e2a	Repair of Defective Conditions c. Examples Examples of defective conditions include: • defective construction, • poor workmanship, • evidence of continuing settlement, • excessive dampness, • leakage, • decay, and • termites. 12-28 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 22.	VA_Guidelines.txt
07a4fdd3-29e6-49c0-a41a-24ace774cb77	Mechanical Systems Change Date March 28, 2019 • This chapter has been revised in its entirety. a. Mechanical systems must be: Requirements • safe to operate, and • protected from destructive elements. b.	VA_Guidelines.txt
ac5bf40b-6988-4e54-a0df-58d04821457b	Appraiser While the appraiser is not required to test the operation of any mechanical Responsibility systems, the appraiser should recommend the completion of any repairs that are readily apparent. 12-29 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 23. Heating Change Date March 28, 2019 • This chapter has been revised in its entirety. a.	VA_Guidelines.txt
020e3993-2fc7-4b5b-970d-ca68a281ab83	Heating must be permanently installed and maintain a temperature of at least Requirement 50 degrees Fahrenheit in areas with plumbing. b.	VA_Guidelines.txt
5e47cd8c-ea12-425c-9a52-60dd95b7137d	Non-Vented If the dwelling will have a permanently installed, non-electric, non-vented Heater fireplace or other non-vented space heater: • the NOV must be conditioned to require the Veteran’s written acknowledgement that the dwelling contains a non-vented fireplace or space heater which has not been inspected by VA, and • a licensed heating/air conditioning contractor must certify in writing	VA_Guidelines.txt
f01fa0ee-99cc-4ce5-8663-f228c59120e9	conditioning contractor must certify in writing that the non-vented appliance is equipped with an approved Oxygen Depletion Sensor and meets the local building authority requirements (if there are no local requirements, the installation must meet the manufacturer’s recommendations)	VA_Guidelines.txt
d43b773b-98c9-44cf-87ea-9bde12f2452b	. c.	VA_Guidelines.txt
d99e6c28-8111-4b41-8635-9598e0a8eda2	Mild In areas with a mild climate, heating may not be required (see Topic 1, Climate Subsection h of this Chapter). d. Air Air conditioning is not required, but if installed, must be operational.	VA_Guidelines.txt
6f1fb340-009a-4abb-9ab0-ede03732f4c4	If any Conditioning needed repairs to the air conditioning equipment are apparent, the appraiser must prepare the appraisal subject to the repair of the air conditioning system by a licensed heating/air conditioning contractor. 12-30 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 24.	VA_Guidelines.txt
eeffb335-b4fb-48a7-a64a-fd7ad8bb5368	Leased Mechanical Systems and Equipment Change Date March 28, 2019 • This chapter has been revised in its entirety. a. No Value to The appraiser must not include the value of any leased mechanical systems or Leased any other leased equipment in the estimated market value as leased items are Equipment not suitable security for a loan.	VA_Guidelines.txt
859d3397-ac45-463f-a5ae-0f7e2b6d2281	This includes, but is not limited to, fuel or propane storage tanks, solar or wind systems (including power purchase agreements), and other alternative energy equipment. b. Leased The appraiser must identify leased items in the appraisal report. Some leases Equipment to may encumber the title making the property less than fee simple.	VA_Guidelines.txt
de8b1cd1-ea4c-47df-9f16-fac59dd14da8	The be Noted in appraiser must consider any detrimental effect on the value of the property if the Appraisal the leased items are removed by the lessor. 12-31 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 25. Alternative Energy Equipment Change Date March 28, 2019 • This chapter has been revised in its entirety. a.	VA_Guidelines.txt
704b04c5-0fee-4a31-9448-811ea632f6e7	Alternative Alternative energy systems use wind, geothermal, or solar energy to produce Energy energy to support the habitability of the structure. Systems b.	VA_Guidelines.txt
764d52c6-61db-4690-bc9c-10345808a29a	Systems b. Market The appraiser must analyze the market acceptance of special energy-related Acceptance to building components and equipment, including solar energy components, be Considered high-energy efficiency housing features and components, geothermal systems, and wind powered components. c. No Value to Leased equipment must not be given value in the appraisal.	VA_Guidelines.txt
432f5ea2-3e39-4fbc-9d98-0be87a736d4a	Leased Equipment 12-32 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 26. Roof Covering Change Date March 28, 2019 • This chapter has been revised in its entirety. a. The roof covering must: Requirement • prevent entrance of moisture, and • provide reasonable future utility, durability, and economy of maintenance. b.	VA_Guidelines.txt
c60bb2ca-e289-4d03-9138-08962c3063ff	Multiple When a defective roof with three or more layers of shingles must be replaced, Shingle all old shingles must first be removed. Layers c. Appraiser The appraiser is not required to climb onto the roof. Expectation d.	VA_Guidelines.txt
574b5c7f-6d04-42d3-a82a-459929b0a079	Expectation d. Appraisal When the appraiser is unable to view the roof, the appraiser must explain why Considerations the roof is unobservable and report how the condition of the roof was when the Roof determined.	VA_Guidelines.txt
5b71f5ce-eca2-41a9-9d45-4550da8bbd8d	For example, a roof may be covered with snow yet the appraiser is Not Visible observed no evidence of leaks and documentation was provided to the appraiser verifying the age of the roof. If available, other methods such as drones could be utilized to show the area. 12-33 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 27.	VA_Guidelines.txt
96077ba2-27b2-4017-abe2-eff0e59ab501	Attics Change Date March 28, 2019 • This chapter has been revised in its entirety. a. Appraiser Fee appraisers must view the interior of readily accessible attic spaces. The Expectations appraiser is not required to climb into the attic. The appraiser is not required to move insulation or personal items that may hinder visibility.	VA_Guidelines.txt
11d58f25-695a-4bc6-9492-e1c5ff091806	If there is no scuttle or other access to the attic, there is no requirement to provide access. b. Deficient If a deficient condition (for example, a water-stained ceiling or insufficient Conditions ventilation) is apparent, the appraiser must prepare the appraisal subject to the repair. 12-34 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 28.	VA_Guidelines.txt
12ef826d-830c-41a5-90c3-f94f900e5ed1	Crawl Space Change Date March 28, 2019 • This chapter has been revised in its entirety. a. Appraiser Fee appraisers are required to view, but not enter, the crawl space. Expectation b. The crawl space must: Requirements • have adequate access, • be clear of debris, and • be properly vented. c.	VA_Guidelines.txt
2fc1a654-d360-4a82-bd72-989a9e65e3d7	Floor Joists The floor joists must be sufficiently above the highest level of the ground to provide access for maintenance and repair of ductwork and plumbing. d. Dampness Any excessive dampness or ponding of water must be corrected. e.	VA_Guidelines.txt
0089fecc-a220-43b6-adb1-b0e11005094c	Vacant Not all houses with a vacant area beneath the flooring are considered to have a Area Beneath crawl space particularly if no mechanical systems are present, and there is no House reason for access. If the area is properly vented and free of moisture, this condition is acceptable. 12-35 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 29.	VA_Guidelines.txt
9dc31d92-956c-42b2-b667-33c942632b24	Basements Change Date March 28, 2019 • This chapter has been revised in its entirety. a. Dampness The appraiser must report any dampness, or obvious structural problems that or Structural might affect the health and safety of occupants or the soundness of the Problems structure. b.	VA_Guidelines.txt
ea7d352a-8903-4183-975d-3377e295f568	Sump If a sump pump is present, the appraiser must recommend repair if it is not Pump hard-wired by an acceptable wiring method or equipped with a factory electrical cord that is connected to a suitable receptacle. 12-36 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 30. Swimming Pools Change Date March 28, 2019 • This chapter has been revised in its entirety. a.	VA_Guidelines.txt
d864739f-f543-4984-b450-664b1964a47a	Pool If the pool water contains algae or if the pool has been winterized, and the Equipment appraiser cannot determine if the pool equipment is in good working order, the appraiser may complete the appraisal under the extraordinary assumption that the pool and its equipment can be repaired at minimal cost without recommending any repairs. b.	VA_Guidelines.txt
131fdc9c-52ef-41e6-ab38-a1197e3cfe0a	Structural The appraiser must report readily observable defects including unstable sides Defects and structural issues that would render the pool inoperable or unusable.	VA_Guidelines.txt
d2bbc1a2-0f6e-4c53-af22-a3cfb0c8843c	Depending on the extent of the damage, the appraiser must prepare the appraisal report “subject to” the repair of the pool, and include the pool in value, or prepare the appraisal “subject to” permanently filling in the pool, in accordance with local guidelines, and re-grading the yard, if necessary. c.	VA_Guidelines.txt
506e0d73-ba87-4195-a5ea-45e2939f594c	Above- Above-ground pools which include water filtering equipment and decking may Ground Pools be included in value if the appraiser determines that above-ground pools are customary and accepted in the market area. d. Local Swimming pools must be secured in accordance with any local requirements.	VA_Guidelines.txt
f6d01f5a-75ba-4b5a-886a-c823da00c694	Requirements On a liquidation appraisal, if the pool is unsecure, securing the pool must be for Securing included on the repair list and reported as a safety hazard on the liquidation Pools addendum. 12-37 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 31. Burglar Bars Change Date March 28, 2019 • This chapter has been revised in its entirety. a.	VA_Guidelines.txt
9455077e-0f1c-432a-8c9b-81a08afceffa	If a property has burglar bars, at least one window per bedroom must have a Requirement quick-release mechanism, unless there is an exterior door from the bedroom providing rapid egress. b.	VA_Guidelines.txt
e0158643-78b8-45f2-a1ec-9003a84288f1	Removal of If the appraiser is not able to confirm that quick release mechanisms are in Burglar Bars good working order, the appraiser should prepare the appraisal subject to removal of the burglar bars as a safety consideration. 12-38 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 32.	VA_Guidelines.txt
fc51c7f3-6de2-4281-b014-7ac3bcc05050	Lead-Based Paint Change Date March 28, 2019 • This chapter has been revised in its entirety. a. Properties If the dwelling or related improvements were built in 1978 or later, the Built in 1978 appraiser must report all defective paint surfaces on the exterior and require or Later repair of any defective paint that exposes the subsurface to the elements.	VA_Guidelines.txt
6bfe269e-6902-40d8-b10f-085a094b99a8	Interior defective paint on a dwelling built in 1978 or later is normally considered cosmetic. b. Properties If the dwelling or related improvements were built before 1978, the presence Built Before of lead-based paint must be presumed. Any defective lead-based paint is a 1978 safety hazard that must be remediated. The appraiser must clearly identify the location of any defective paint.	VA_Guidelines.txt
f4694c9c-5e6a-4232-84ab-753cd47ee179	Economic feasibility is not an acceptable reason for waiver of a repair involving lead-based paint. c. Correction Any defective lead-based paint must receive adequate treatment to prevent the of Defective ingestion of contaminated paint.	VA_Guidelines.txt
3949ce31-d8b3-4000-b989-0e6786bd664b	Either: Lead-Based Paint • the surface requiring treatment must be thoroughly washed, scraped, wire brushed or otherwise cleaned to remove all cracking, scaling, peeling, chipping, and loose paint, and then repainted with two coats of a suitable nonleaded paint, or • the paint shall be completely removed or the surface covered with a suitable material such as gypsum wallboard, plywood, or plaster	VA_Guidelines.txt
a04b2b30-5d4c-4708-a457-b067d9ce0fee	such as gypsum wallboard, plywood, or plaster before any painting is undertaken if the integrity of the surface needing treatment cannot be maintained	VA_Guidelines.txt
a11d0bd7-a33e-40fa-8b80-eceb6380959c	. d.	VA_Guidelines.txt
160be13a-fe83-4929-80b2-8e93cf4f5a63	Appraiser The completion of all repairs involving defective lead-based paint must be Certification certified by the VA-assigned appraiser. of Repairs 12-39 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 33. Wood Destroying Insects/Fungus/Dry Rot Change Date March 28, 2019 • This chapter has been revised in its entirety. a.	VA_Guidelines.txt
30fc7be3-9eac-4916-87d5-7dbe72470a74	Apparent Appraisers must report any apparent evidence of wood destroying insect Damage infestation, fungus growth or dry rot. The appraisal must be prepared subject to a wood destroying insect inspection if any infestation or damage is apparent, and all damage must be repaired. b.	VA_Guidelines.txt
0d63c2ed-25ba-4675-8401-baffea4a2e3e	Termite If the property is located in an area on the Termite Infestation Probability Map Infestation where the probability of termite infestation is "very heavy" or "moderate to Probability heavy" on origination appraisals, a wood destroying insect inspection report Map must be required on the NOV.	VA_Guidelines.txt
1cc19351-da92-474b-a189-5fcce3bd4f91	USDA Forest Service Home and Garden Bulletin 64 (revised 2006) Continued on next page 12-40 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 33. Wood Destroying Insects/Fungus/Dry Rot, continued c. Local The specific borders for some of the zones are difficult to determine from this Requirements map.	VA_Guidelines.txt
d64bbb0c-9305-4113-8cbb-f70e6a1faf71	Additional information may be found on VA’s local requirements Webpage webpage (see Topic 1, Subsection h of this Chapter). d. Non- Small sheds or other detached, non-residential improvements which were not Residential given value on the appraisal report may be excluded from the inspection Improvements report. e.	VA_Guidelines.txt
1c9d51c2-89bc-4d18-bdbc-170b65396b9a	A termite inspection is not required on units in high-rise condominiums (units Requirements are stacked vertically).	VA_Guidelines.txt
81fa7831-f88e-4145-b1b7-d7bed84e6453	For villa and townhome style condominiums where for Properties units are side by side, not stacked, if located in a “very heavy” or “moderate to in heavy” zone, a termite inspection must be required on the NOV unless the Condominium homeowners association provides evidence of treatment. Developments 12-41 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 34.	VA_Guidelines.txt
b35f15ce-8380-4133-af7d-46547c5bf8e7	Radon Gas Change Date October 18, 2019 • This chapter has been revised in its entirety. a. Testing On the NOV that is provided to Veterans with the results of the appraisal, VA Recommended recommends testing for radon gas. by VA b.	VA_Guidelines.txt
56459b72-58ab-4180-8eb9-61aa1a0f29fe	Builder On proposed and new construction cases, the builder must certify that radon Certification resistant construction techniques were used where applicable and construction meets any local or state building codes for radon control.	VA_Guidelines.txt
ccff6688-acbe-4dbf-84d1-53e39c814d7a	Radon resistant construction techniques are considered to be applicable for properties located in Radon Zone 1 as designated by the EPA at the following website: https://geopub.epa.gov/Radon/. Additional information about radon resistant construction techniques is available at the following link: https://www.epa.gov/radon/radon-resistant-construction-basics-and- techniques. c.	VA_Guidelines.txt
23cd6f0d-5d32-4830-bd71-297b881199c8	Additional Additional information about radon gas is available at the following link: Information https://www.epa.gov/radon. 12-42 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 35. Potential Environmental Problem Change Date March 28, 2019 • This chapter has been revised in its entirety. a.	VA_Guidelines.txt
b8c24d1e-7580-4047-8038-1628d561be90	Potential The appraiser must report and consider the effect on value of any apparent Environmental indication of a potential environmental problem. Problem b.	VA_Guidelines.txt
8eb6316c-9567-413c-a12d-597baae7efcd	Problem b. Examples Examples include, but are not limited to: • underground storage tanks, • slush pits, • oil and gas wells (operating or abandoned), • hydrogen sulfide gas emitted from petroleum product wells, • chemical contamination (including methamphetamine) or • soil contamination from sources on or off the property. c.	VA_Guidelines.txt
2b5d0383-9808-4d7a-8f42-3b2cbc6ab649	Appraisal The appraisal report must be prepared subject to correction of the problem in Considerations accordance with any local, state, or federal requirements, or documentation from the appropriate local, state, or federal authority that the condition is acceptable. 12-43 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 36.	VA_Guidelines.txt
6d8993ec-1cd8-45b3-a672-ef0261984fe4	Stationary Storage Tanks Change Date March 28, 2019 • This chapter has been revised in its entirety. a. Distance If the property is located within 300 feet of an above-ground or subsurface Requirement stationary storage tank with a capacity of 1,000 gallons or more containing flammable or explosive material, the appraiser must report this information in the appraisal.	VA_Guidelines.txt
756e5dd3-d0af-4ae8-830b-f224287a5d00	This includes storage tanks for domestic and commercial uses as well as automotive service station tanks. b. The appraiser should use comparable sales in similar locations, if available. Comparable Sales c.	VA_Guidelines.txt
5b1bef15-d458-4fc1-a7ec-9a49c4d77258	Comparable Sales c. NOV The SAR must include the information on the NOV, requiring the Veteran’s Requirement signed acknowledgement to ensure the Veteran is fully informed of the situation. 12-44 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 37. Mineral, Oil, and Gas Reservations or Leases Change Date March 28, 2019 • This chapter has been revised in its entirety. a.	VA_Guidelines.txt
89af7425-603a-4cfa-b5a9-98644b056075	Influence The appraiser must analyze and report the degree to which residential benefits on Property may be impaired or the property damaged by the exercise of the rights set forth in oil, gas, and mineral reservations or leases. b.	VA_Guidelines.txt
38df33bb-5de4-466b-a10b-366886cb96ec	Appraisal The appraiser should consider the following: Considerations • the infringement on the property rights of the fee owner caused by the rights granted by the reservation or lease, and • the hazards, nuisances, or damages to the subject property from exercise of reservation or lease privileges on neighboring properties	VA_Guidelines.txt
cae2f7e9-d7fc-44d3-9c70-451cb22995f2	. 12-45 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 38.	VA_Guidelines.txt
136455f4-20ec-48b1-8b3f-dd0cb024a0af	High Voltage Electric Transmission Lines Change Date March 28, 2019 • This chapter has been revised in its entirety. a. Residential No part of any residential structure may be located within a high voltage Structure electric transmission line easement. b. Detached Any detached improvements even partially in a transmission line easement Improvements will not receive value for VA purposes. c.	VA_Guidelines.txt
24a792b9-dfe2-4c30-9f71-07b3ece6916e	Distance If the property is within 100 feet from the nearest boundary of a high voltage Requirement electric transmission line easement, the appraiser must comment in the appraisal. 12-46 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 39. High Pressure Gas and Liquid Petroleum Pipelines Change Date March 28, 2019 • This chapter has been revised in its entirety. a.	VA_Guidelines.txt
5e11629d-d1e3-4351-af16-a71345c53028	Residential No part of any residential structure may be located within a high-pressure gas Structure or liquid petroleum pipeline easement. b. Detached Any detached improvements even partially in the pipeline easement will not Improvements receive value for VA purposes. c.	VA_Guidelines.txt
6c4e1995-84d4-426b-a0b4-cf9f5752a13d	Distance If the property is within 100 feet from the nearest boundary of a high-pressure Requirement gas or liquid petroleum pipeline easement, the appraiser must comment in the appraisal. 12-47 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 40. Properties near Airports Change Date March 28, 2019 • This chapter has been revised in its entirety. a.	VA_Guidelines.txt
31557ee7-db2b-431a-bae2-4723cb3f9be9	Appraiser Appraisers must be familiar with noise zones and safety-related zones Responsibility surrounding airports in areas where they perform appraisals for VA. b. Appraisal Whenever a property is located near an airport, appraisers must consider the Considerations effect on value of any airport noise and select comparable sales, if available, with the same airport influence. c.	VA_Guidelines.txt
a27cc2e6-16cf-4768-aca2-64243312b5b5	Proposed Proposed construction located in a Clear Zone (also known as a Runway Construction Protection Zone) is not eligible. The appraiser must stop working on the in a Clear appraisal and notify the lender immediately. Zone d.	VA_Guidelines.txt
4e03ee49-4f58-4116-9cb8-49e17132b52c	Zone d. Existing or For existing or new construction located in a Clear Zone, the following New Veteran’s acknowledgement must be required on the NOV and signed by the Construction Veteran: “I am aware that the property being purchased is located near the end in a Clear of an airport runway and this may have an effect upon livability, safety, value Zone and marketability of the property.” e.	VA_Guidelines.txt
54367c7d-55a6-42e5-a314-40f7def55fc4	Accident For all properties located in an accident potential zone, the following Potential Zone Veteran’s acknowledgement must be required on the NOV and signed by the Veteran: “I am aware that the property being purchased is located in an accident potential zone and this may have an effect upon the livability, safety, value, and marketability of the property.” f.	VA_Guidelines.txt
bbbbcc4f-10c0-46f1-8dbe-9f3931ba0fda	Maps Airport noise zone maps may be found at Available https://www.faa.gov/airports/environmental/airport_noise/noise_exposure_maps/. Online 12-48 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 41. Manufactured Home Classified as Real Estate Change Date March 28, 2019 • This chapter has been revised in its entirety. a.	VA_Guidelines.txt
a978d23e-9a7c-4594-8ac3-816d9dedeac8	MPRs Manufactured homes must meet the VA MPRs described in this Chapter. b. Real Estate The manufactured home and site must be considered a real estate entity in Entity accordance with state law and meet all local zoning requirements for real estate. c.	VA_Guidelines.txt
956bb44a-660d-4e81-9739-6fa2c1b08301	Permanent The manufactured home must be placed on a permanent foundation, Foundation constructed to withstand both supporting loads and wind-overturning loads, that meets state and local requirements. d. HUD The manufactured home must be built to HUD Manufactured Home Standards Construction and Safety Standards. e.	VA_Guidelines.txt
7580fb3e-dc2e-4f5b-872e-aa11e225a8fd	Space The manufactured home must have a floor area of not less than 400 square feet Requirements for a singlewide, or 700 square feet for a double wide manufactured home. f.	VA_Guidelines.txt
9590a286-6955-40bb-a28a-6c9bddcd0d32	State/Local Fee appraisers are expected to be familiar with state and local regulations Requirements governing manufactured homes (for example, missing HUD labels, alterations, modifications, additions, or component replacements), and to prepare appraisals subject to appropriate requirements for compliance. g.	VA_Guidelines.txt
fcb87ad9-339b-4a56-8626-5d5e861821a1	Proposed If the manufactured home is appraised as proposed construction, the following Construction exhibits are required: • foundation plan, • floor plan showing room layout and exterior dimensions, • elevation plans, and • specifications for flooring, heating, plumbing, electrical equipment, appliances and other items included with the manufactured home	VA_Guidelines.txt
f24858ee-b0a5-4594-93c0-2133a465f37a	. 12-49 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 42.	VA_Guidelines.txt
ddc0740c-eb02-4a5d-9d9b-4bda874f570c	Modular Homes Change Date March 28, 2019 • This chapter has been revised in its entirety. a. State/Local Modular homes must meet all state and local building codes. Codes b. The appraiser will typically treat modular housing and on-frame modular Comparable housing in the same manner as conventionally built housing.	VA_Guidelines.txt
e4e9ff3a-f02e-4c74-82cd-3b2e9ba058ed	The appraiser Sales 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 On-frame modular housing is factory built on a permanent chassis.	VA_Guidelines.txt
9ed04eac-a973-428b-86e5-c852cebe3e0f	The Modular appraiser must ensure that: Home Requirements • 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. 12-50 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 43.	VA_Guidelines.txt
e508be2b-8b7a-4feb-bff2-5a4376e28e5b	Energy Conservation and Sustainability Change Date March 28, 2019 • This chapter has been revised in its entirety. a. Energy Energy efficient mortgages are described in Chapter 7 of this Handbook. Efficient Veterans are provided information about this program in item #1a on NOVs Mortgages issued for existing properties (see Chapter 13, Appendix A of this Handbook). b.	VA_Guidelines.txt
c2acea26-e9ce-481c-87c3-9493a92e1545	Energy VA encourages home improvements that conserve energy, reduce water usage, Conservation enhance safety or strengthen disaster preparedness. Encouraged 12-51 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 44. Requests for Waiver of MPR Repairs Change Date March 28, 2019 • This chapter has been revised in its entirety. a.	VA_Guidelines.txt
e5cb2163-1bf2-426c-9826-b5e1910324a9	Waiver After the NOV has been issued, at the request of the Veteran, VA will consider Requested by waiving MPR repairs if the following conditions are met: a Veteran • the request is signed by the Veteran, • the lender concurs with the Veteran’s request, and • the property is habitable from the standpoint of safety, structural soundness, and sanitation.	VA_Guidelines.txt
f4340c46-b311-4cc8-b341-2892a9f72dea	These requests should not allow for the Veteran to waive MPRs that could result in safety issues with the home. b. Inspection In support of the waiver request, while not required, providing an inspection Report report from a licensed professional who is qualified to assess the condition of the item in question will ensure the Veteran is fully informed about the condition of the item. c.	VA_Guidelines.txt
7140bda0-1d4f-45b0-a0b9-22e2cdca9fc7	If the request is approved, VA staff will amend the NOV, removing the repair Contributory requirement(s). Since appraisals are prepared “subject to” repairs, VA staff Value may reduce the value by the contributory value of the waived repair(s). If the contributory value of the repair item(s) is not material, the NOV may be issued without a change in value. d.	VA_Guidelines.txt

739a9ef3-25ef-4fa5-9dd4-c9f68e3b1051

The appraiser is not required to sketch or note distances between the well, property lines, septic tanks, drain fields, or building structures. f. Testing Water quality test results are valid for 90 days from the date certified by the Validity local health authority unless the local authority indicates otherwise. Period g.

VA_Guidelines.txt

dccb8b2a-c462-4d0d-b2c2-6083ef1d544e

Period g. Connection If public water is available and the local authority mandates connection, Mandated by connection is required (see Topic 16 of this Chapter). a Local Authority 12-23 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 17. Individual Sewage Disposal Change Date March 28, 2019 • This chapter has been revised in its entirety. a.

VA_Guidelines.txt

3af5b55b-def5-4be6-a894-a2f9be33bdce

Individual An individual sewage disposal system must adequately dispose of all domestic Sewage wastes in a sanitary manner which will not create a nuisance, or in any way Disposal endanger the public health. b. Pit Privies Individual pit privies are acceptable where such facilities are customary and installed in accordance with the recommendations of the local health authority. c.

VA_Guidelines.txt

8d390cdc-4b02-444b-8a40-94f932f77d17

Health On proposed construction cases, or new or existing construction cases where Authority the appraiser notes a problem, or if the area is known to have soil percolation Approval problems, health authority approval of the individual sewage disposal system is required. d.

VA_Guidelines.txt

2fd9e555-7310-4ee6-9e28-e30ccfae7ac5

Connection If public sewer is available and the local authority mandates connection, Mandated by connection is required (see Topic 16 of this Chapter). a Local Authority 12-24 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 18. Shared Wells Change Date March 28, 2019 • This chapter has been revised in its entirety. a.

VA_Guidelines.txt

cc81b781-1a4e-44ca-bf4d-45a24287eacc

Shared A shared well refers to a well that serves two or more properties.

VA_Guidelines.txt

bb047d85-c1dc-484b-9ec4-c0ea789d01cc

The shared Well well must be: Requirements • capable of providing a continuing supply of safe and potable water to each property simultaneously, so that each dwelling will be assured a sufficient quantity for all domestic purposes, • protected by a permanent easement, which allows for maintenance and repair, and • maintained under a well-sharing agreement containing provisions for the cost of

VA_Guidelines.txt

c1d79f5a-8d12-45f2-b609-23d5bce53783

agreement containing provisions for the cost of repairs that is binding on the signatory parties and successors in title and has been recorded in public records

VA_Guidelines.txt

09558bcd-ddcd-430f-b273-9c1ea8778445

. b.

VA_Guidelines.txt

436658ff-272d-495e-a942-9438377f8f9e

Appraiser The appraiser must report that that the property is served by a shared well and Responsibility note any readily apparent deficiencies. c. Lender The lender must obtain the shared well agreement and review the agreement to Responsibility determine eligibility. d.

VA_Guidelines.txt

fd4736d8-4a84-4b6e-b2a3-9cdc329cb1f2

Water The water quality must meet the requirements for individual wells described in Quality Topic 17 of this Chapter. 12-25 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 19. Community Water Supply/Sewage Disposal Requirements Change Date March 28, 2019 • This chapter has been revised in its entirety. a.

VA_Guidelines.txt

b84219ce-d385-4e3c-a145-88220fdb5590

Community A community water/sewage system refers to a central system that is owned, Water/Sewer operated, and maintained by a private corporation or a nonprofit property to be Noted in owners’ association. The appraiser must note that the property is on a an Appraisal community water/sewage system in the appraisal report. b. Sufficient The water supply must be sufficient in size for the project.

VA_Guidelines.txt

21fc82b4-e857-4640-b355-b5d2a5c34c4a

Water quality must Water Supply be approved by the local or state health authority. c. Adequate The sewage system must be adequate in size and properly operated and Size Sewage maintained to prevent it from becoming a menace to public health. System d. Local/State The lender must obtain evidence of approval of the facilities by the local or Authority state health authority. Approval e.

VA_Guidelines.txt

cd7eea64-b9a8-4144-8a07-6236eea4bc83

Approval e. Trust Deed A trust deed is required if the local or state authority that approved the system does not: • enforce compliance with its requirements, • fix rates, and • provide for prompt relief in case of deficient operation, service, or exorbitant rates. f.

VA_Guidelines.txt

98b266f3-041d-4238-ad51-2cb5e79b793f

Trust Deed If a trust deed is required for a privately-owned system, it should be similar to for Private the trust deed found in HUD Handbook 4075.12. System 12-26 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 20. Hazards Change Date March 28, 2019 • This chapter has been revised in its entirety. a.

VA_Guidelines.txt

9a2c9b85-1608-40be-bf8b-3811070b6a94

Hazards The property must be free of hazards which may: • adversely affect the health and safety of the occupants, • adversely affect the structural soundness of the dwelling and other improvements to the property, or • impair the customary use and enjoyment of the property by the occupants. b.

VA_Guidelines.txt

1b8e9a05-238a-48dc-bdab-ce94b4b751bc

Prompt The appraiser must notify the lender promptly when a hazard is identified so Notification of that the eligibility of the property may be addressed and, depending on the the Lender nature of the hazard, to provide as much time as possible to resolve the situation. 12-27 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 21.

VA_Guidelines.txt

64d79f3a-6d8d-4d59-a093-bf9fd8d66b61

Defective Conditions Change Date October 18, 2019 • This chapter has been revised in its entirety. a. Definition Conditions which impair the safety, sanitation, or structural soundness of the dwelling will cause the property to be unacceptable until the defects or conditions have been remedied and the probability of further damage eliminated.

VA_Guidelines.txt

4f3da595-8c2c-4f06-a5ad-6e101b57b942

The integrity of the envelope of the structure must not be compromised. b. Appraisals Appraisals must be prepared “subject to” the repair of any defective conditions “Subject to” with the contributory value of the completed repair included in value. Repair of Defective Conditions c.

VA_Guidelines.txt

76de00e6-4c08-476c-8a59-0fecc78c3e2a

Repair of Defective Conditions c. Examples Examples of defective conditions include: • defective construction, • poor workmanship, • evidence of continuing settlement, • excessive dampness, • leakage, • decay, and • termites. 12-28 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 22.

VA_Guidelines.txt

07a4fdd3-29e6-49c0-a41a-24ace774cb77

Mechanical Systems Change Date March 28, 2019 • This chapter has been revised in its entirety. a. Mechanical systems must be: Requirements • safe to operate, and • protected from destructive elements. b.

VA_Guidelines.txt

ac5bf40b-6988-4e54-a0df-58d04821457b

Appraiser While the appraiser is not required to test the operation of any mechanical Responsibility systems, the appraiser should recommend the completion of any repairs that are readily apparent. 12-29 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 23. Heating Change Date March 28, 2019 • This chapter has been revised in its entirety. a.

VA_Guidelines.txt

020e3993-2fc7-4b5b-970d-ca68a281ab83

Heating must be permanently installed and maintain a temperature of at least Requirement 50 degrees Fahrenheit in areas with plumbing. b.

VA_Guidelines.txt

5e47cd8c-ea12-425c-9a52-60dd95b7137d

Non-Vented If the dwelling will have a permanently installed, non-electric, non-vented Heater fireplace or other non-vented space heater: • the NOV must be conditioned to require the Veteran’s written acknowledgement that the dwelling contains a non-vented fireplace or space heater which has not been inspected by VA, and • a licensed heating/air conditioning contractor must certify in writing

VA_Guidelines.txt

f01fa0ee-99cc-4ce5-8663-f228c59120e9

conditioning contractor must certify in writing that the non-vented appliance is equipped with an approved Oxygen Depletion Sensor and meets the local building authority requirements (if there are no local requirements, the installation must meet the manufacturer’s recommendations)

VA_Guidelines.txt

d43b773b-98c9-44cf-87ea-9bde12f2452b

. c.

VA_Guidelines.txt

d99e6c28-8111-4b41-8635-9598e0a8eda2

Mild In areas with a mild climate, heating may not be required (see Topic 1, Climate Subsection h of this Chapter). d. Air Air conditioning is not required, but if installed, must be operational.

VA_Guidelines.txt

6f1fb340-009a-4abb-9ab0-ede03732f4c4

If any Conditioning needed repairs to the air conditioning equipment are apparent, the appraiser must prepare the appraisal subject to the repair of the air conditioning system by a licensed heating/air conditioning contractor. 12-30 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 24.

VA_Guidelines.txt

eeffb335-b4fb-48a7-a64a-fd7ad8bb5368

Leased Mechanical Systems and Equipment Change Date March 28, 2019 • This chapter has been revised in its entirety. a. No Value to The appraiser must not include the value of any leased mechanical systems or Leased any other leased equipment in the estimated market value as leased items are Equipment not suitable security for a loan.

VA_Guidelines.txt

859d3397-ac45-463f-a5ae-0f7e2b6d2281

This includes, but is not limited to, fuel or propane storage tanks, solar or wind systems (including power purchase agreements), and other alternative energy equipment. b. Leased The appraiser must identify leased items in the appraisal report. Some leases Equipment to may encumber the title making the property less than fee simple.

VA_Guidelines.txt

de8b1cd1-ea4c-47df-9f16-fac59dd14da8

The be Noted in appraiser must consider any detrimental effect on the value of the property if the Appraisal the leased items are removed by the lessor. 12-31 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 25. Alternative Energy Equipment Change Date March 28, 2019 • This chapter has been revised in its entirety. a.

VA_Guidelines.txt

704b04c5-0fee-4a31-9448-811ea632f6e7

Alternative Alternative energy systems use wind, geothermal, or solar energy to produce Energy energy to support the habitability of the structure. Systems b.

VA_Guidelines.txt

764d52c6-61db-4690-bc9c-10345808a29a

Systems b. Market The appraiser must analyze the market acceptance of special energy-related Acceptance to building components and equipment, including solar energy components, be Considered high-energy efficiency housing features and components, geothermal systems, and wind powered components. c. No Value to Leased equipment must not be given value in the appraisal.

VA_Guidelines.txt

432f5ea2-3e39-4fbc-9d98-0be87a736d4a

Leased Equipment 12-32 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 26. Roof Covering Change Date March 28, 2019 • This chapter has been revised in its entirety. a. The roof covering must: Requirement • prevent entrance of moisture, and • provide reasonable future utility, durability, and economy of maintenance. b.

VA_Guidelines.txt

c60bb2ca-e289-4d03-9138-08962c3063ff

Multiple When a defective roof with three or more layers of shingles must be replaced, Shingle all old shingles must first be removed. Layers c. Appraiser The appraiser is not required to climb onto the roof. Expectation d.

VA_Guidelines.txt

574b5c7f-6d04-42d3-a82a-459929b0a079

Expectation d. Appraisal When the appraiser is unable to view the roof, the appraiser must explain why Considerations the roof is unobservable and report how the condition of the roof was when the Roof determined.

VA_Guidelines.txt

5b71f5ce-eca2-41a9-9d45-4550da8bbd8d

For example, a roof may be covered with snow yet the appraiser is Not Visible observed no evidence of leaks and documentation was provided to the appraiser verifying the age of the roof. If available, other methods such as drones could be utilized to show the area. 12-33 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 27.

VA_Guidelines.txt

96077ba2-27b2-4017-abe2-eff0e59ab501

Attics Change Date March 28, 2019 • This chapter has been revised in its entirety. a. Appraiser Fee appraisers must view the interior of readily accessible attic spaces. The Expectations appraiser is not required to climb into the attic. The appraiser is not required to move insulation or personal items that may hinder visibility.

VA_Guidelines.txt

11d58f25-695a-4bc6-9492-e1c5ff091806

If there is no scuttle or other access to the attic, there is no requirement to provide access. b. Deficient If a deficient condition (for example, a water-stained ceiling or insufficient Conditions ventilation) is apparent, the appraiser must prepare the appraisal subject to the repair. 12-34 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 28.

VA_Guidelines.txt

12ef826d-830c-41a5-90c3-f94f900e5ed1

Crawl Space Change Date March 28, 2019 • This chapter has been revised in its entirety. a. Appraiser Fee appraisers are required to view, but not enter, the crawl space. Expectation b. The crawl space must: Requirements • have adequate access, • be clear of debris, and • be properly vented. c.

VA_Guidelines.txt

2fc1a654-d360-4a82-bd72-989a9e65e3d7

Floor Joists The floor joists must be sufficiently above the highest level of the ground to provide access for maintenance and repair of ductwork and plumbing. d. Dampness Any excessive dampness or ponding of water must be corrected. e.

VA_Guidelines.txt

0089fecc-a220-43b6-adb1-b0e11005094c

Vacant Not all houses with a vacant area beneath the flooring are considered to have a Area Beneath crawl space particularly if no mechanical systems are present, and there is no House reason for access. If the area is properly vented and free of moisture, this condition is acceptable. 12-35 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 29.

VA_Guidelines.txt

9dc31d92-956c-42b2-b667-33c942632b24

Basements Change Date March 28, 2019 • This chapter has been revised in its entirety. a. Dampness The appraiser must report any dampness, or obvious structural problems that or Structural might affect the health and safety of occupants or the soundness of the Problems structure. b.

VA_Guidelines.txt

ea7d352a-8903-4183-975d-3377e295f568

Sump If a sump pump is present, the appraiser must recommend repair if it is not Pump hard-wired by an acceptable wiring method or equipped with a factory electrical cord that is connected to a suitable receptacle. 12-36 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 30. Swimming Pools Change Date March 28, 2019 • This chapter has been revised in its entirety. a.

VA_Guidelines.txt

d864739f-f543-4984-b450-664b1964a47a

Pool If the pool water contains algae or if the pool has been winterized, and the Equipment appraiser cannot determine if the pool equipment is in good working order, the appraiser may complete the appraisal under the extraordinary assumption that the pool and its equipment can be repaired at minimal cost without recommending any repairs. b.

VA_Guidelines.txt

131fdc9c-52ef-41e6-ab38-a1197e3cfe0a

Structural The appraiser must report readily observable defects including unstable sides Defects and structural issues that would render the pool inoperable or unusable.

VA_Guidelines.txt

d2bbc1a2-0f6e-4c53-af22-a3cfb0c8843c

Depending on the extent of the damage, the appraiser must prepare the appraisal report “subject to” the repair of the pool, and include the pool in value, or prepare the appraisal “subject to” permanently filling in the pool, in accordance with local guidelines, and re-grading the yard, if necessary. c.

VA_Guidelines.txt

506e0d73-ba87-4195-a5ea-45e2939f594c

Above- Above-ground pools which include water filtering equipment and decking may Ground Pools be included in value if the appraiser determines that above-ground pools are customary and accepted in the market area. d. Local Swimming pools must be secured in accordance with any local requirements.

VA_Guidelines.txt

f6d01f5a-75ba-4b5a-886a-c823da00c694

Requirements On a liquidation appraisal, if the pool is unsecure, securing the pool must be for Securing included on the repair list and reported as a safety hazard on the liquidation Pools addendum. 12-37 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 31. Burglar Bars Change Date March 28, 2019 • This chapter has been revised in its entirety. a.

VA_Guidelines.txt

9455077e-0f1c-432a-8c9b-81a08afceffa

If a property has burglar bars, at least one window per bedroom must have a Requirement quick-release mechanism, unless there is an exterior door from the bedroom providing rapid egress. b.

VA_Guidelines.txt

e0158643-78b8-45f2-a1ec-9003a84288f1

Removal of If the appraiser is not able to confirm that quick release mechanisms are in Burglar Bars good working order, the appraiser should prepare the appraisal subject to removal of the burglar bars as a safety consideration. 12-38 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 32.

VA_Guidelines.txt

fc51c7f3-6de2-4281-b014-7ac3bcc05050

Lead-Based Paint Change Date March 28, 2019 • This chapter has been revised in its entirety. a. Properties If the dwelling or related improvements were built in 1978 or later, the Built in 1978 appraiser must report all defective paint surfaces on the exterior and require or Later repair of any defective paint that exposes the subsurface to the elements.

VA_Guidelines.txt

6bfe269e-6902-40d8-b10f-085a094b99a8

Interior defective paint on a dwelling built in 1978 or later is normally considered cosmetic. b. Properties If the dwelling or related improvements were built before 1978, the presence Built Before of lead-based paint must be presumed. Any defective lead-based paint is a 1978 safety hazard that must be remediated. The appraiser must clearly identify the location of any defective paint.

VA_Guidelines.txt

f4694c9c-5e6a-4232-84ab-753cd47ee179

Economic feasibility is not an acceptable reason for waiver of a repair involving lead-based paint. c. Correction Any defective lead-based paint must receive adequate treatment to prevent the of Defective ingestion of contaminated paint.

VA_Guidelines.txt

3949ce31-d8b3-4000-b989-0e6786bd664b

Either: Lead-Based Paint • the surface requiring treatment must be thoroughly washed, scraped, wire brushed or otherwise cleaned to remove all cracking, scaling, peeling, chipping, and loose paint, and then repainted with two coats of a suitable nonleaded paint, or • the paint shall be completely removed or the surface covered with a suitable material such as gypsum wallboard, plywood, or plaster

VA_Guidelines.txt

a04b2b30-5d4c-4708-a457-b067d9ce0fee

such as gypsum wallboard, plywood, or plaster before any painting is undertaken if the integrity of the surface needing treatment cannot be maintained

VA_Guidelines.txt

a11d0bd7-a33e-40fa-8b80-eceb6380959c

. d.

VA_Guidelines.txt

160be13a-fe83-4929-80b2-8e93cf4f5a63

Appraiser The completion of all repairs involving defective lead-based paint must be Certification certified by the VA-assigned appraiser. of Repairs 12-39 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 33. Wood Destroying Insects/Fungus/Dry Rot Change Date March 28, 2019 • This chapter has been revised in its entirety. a.

VA_Guidelines.txt

30fc7be3-9eac-4916-87d5-7dbe72470a74

Apparent Appraisers must report any apparent evidence of wood destroying insect Damage infestation, fungus growth or dry rot. The appraisal must be prepared subject to a wood destroying insect inspection if any infestation or damage is apparent, and all damage must be repaired. b.

VA_Guidelines.txt

0d63c2ed-25ba-4675-8401-baffea4a2e3e

Termite If the property is located in an area on the Termite Infestation Probability Map Infestation where the probability of termite infestation is "very heavy" or "moderate to Probability heavy" on origination appraisals, a wood destroying insect inspection report Map must be required on the NOV.

VA_Guidelines.txt

1cc19351-da92-474b-a189-5fcce3bd4f91

USDA Forest Service Home and Garden Bulletin 64 (revised 2006) Continued on next page 12-40 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 33. Wood Destroying Insects/Fungus/Dry Rot, continued c. Local The specific borders for some of the zones are difficult to determine from this Requirements map.

VA_Guidelines.txt

d64bbb0c-9305-4113-8cbb-f70e6a1faf71

Additional information may be found on VA’s local requirements Webpage webpage (see Topic 1, Subsection h of this Chapter). d. Non- Small sheds or other detached, non-residential improvements which were not Residential given value on the appraisal report may be excluded from the inspection Improvements report. e.

VA_Guidelines.txt

1c9d51c2-89bc-4d18-bdbc-170b65396b9a

A termite inspection is not required on units in high-rise condominiums (units Requirements are stacked vertically).

VA_Guidelines.txt

81fa7831-f88e-4145-b1b7-d7bed84e6453

For villa and townhome style condominiums where for Properties units are side by side, not stacked, if located in a “very heavy” or “moderate to in heavy” zone, a termite inspection must be required on the NOV unless the Condominium homeowners association provides evidence of treatment. Developments 12-41 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 34.

VA_Guidelines.txt

b35f15ce-8380-4133-af7d-46547c5bf8e7

Radon Gas Change Date October 18, 2019 • This chapter has been revised in its entirety. a. Testing On the NOV that is provided to Veterans with the results of the appraisal, VA Recommended recommends testing for radon gas. by VA b.

VA_Guidelines.txt

56459b72-58ab-4180-8eb9-61aa1a0f29fe

Builder On proposed and new construction cases, the builder must certify that radon Certification resistant construction techniques were used where applicable and construction meets any local or state building codes for radon control.

VA_Guidelines.txt

ccff6688-acbe-4dbf-84d1-53e39c814d7a

Radon resistant construction techniques are considered to be applicable for properties located in Radon Zone 1 as designated by the EPA at the following website: https://geopub.epa.gov/Radon/. Additional information about radon resistant construction techniques is available at the following link: https://www.epa.gov/radon/radon-resistant-construction-basics-and- techniques. c.

VA_Guidelines.txt

23cd6f0d-5d32-4830-bd71-297b881199c8

Additional Additional information about radon gas is available at the following link: Information https://www.epa.gov/radon. 12-42 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 35. Potential Environmental Problem Change Date March 28, 2019 • This chapter has been revised in its entirety. a.

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b8c24d1e-7580-4047-8038-1628d561be90

Potential The appraiser must report and consider the effect on value of any apparent Environmental indication of a potential environmental problem. Problem b.

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Problem b. Examples Examples include, but are not limited to: • underground storage tanks, • slush pits, • oil and gas wells (operating or abandoned), • hydrogen sulfide gas emitted from petroleum product wells, • chemical contamination (including methamphetamine) or • soil contamination from sources on or off the property. c.

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Appraisal The appraisal report must be prepared subject to correction of the problem in Considerations accordance with any local, state, or federal requirements, or documentation from the appropriate local, state, or federal authority that the condition is acceptable. 12-43 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 36.

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Stationary Storage Tanks Change Date March 28, 2019 • This chapter has been revised in its entirety. a. Distance If the property is located within 300 feet of an above-ground or subsurface Requirement stationary storage tank with a capacity of 1,000 gallons or more containing flammable or explosive material, the appraiser must report this information in the appraisal.

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This includes storage tanks for domestic and commercial uses as well as automotive service station tanks. b. The appraiser should use comparable sales in similar locations, if available. Comparable Sales c.

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Comparable Sales c. NOV The SAR must include the information on the NOV, requiring the Veteran’s Requirement signed acknowledgement to ensure the Veteran is fully informed of the situation. 12-44 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 37. Mineral, Oil, and Gas Reservations or Leases Change Date March 28, 2019 • This chapter has been revised in its entirety. a.

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Influence The appraiser must analyze and report the degree to which residential benefits on Property may be impaired or the property damaged by the exercise of the rights set forth in oil, gas, and mineral reservations or leases. b.

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Appraisal The appraiser should consider the following: Considerations • the infringement on the property rights of the fee owner caused by the rights granted by the reservation or lease, and • the hazards, nuisances, or damages to the subject property from exercise of reservation or lease privileges on neighboring properties

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. 12-45 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 38.

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High Voltage Electric Transmission Lines Change Date March 28, 2019 • This chapter has been revised in its entirety. a. Residential No part of any residential structure may be located within a high voltage Structure electric transmission line easement. b. Detached Any detached improvements even partially in a transmission line easement Improvements will not receive value for VA purposes. c.

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Distance If the property is within 100 feet from the nearest boundary of a high voltage Requirement electric transmission line easement, the appraiser must comment in the appraisal. 12-46 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 39. High Pressure Gas and Liquid Petroleum Pipelines Change Date March 28, 2019 • This chapter has been revised in its entirety. a.

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Residential No part of any residential structure may be located within a high-pressure gas Structure or liquid petroleum pipeline easement. b. Detached Any detached improvements even partially in the pipeline easement will not Improvements receive value for VA purposes. c.

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Distance If the property is within 100 feet from the nearest boundary of a high-pressure Requirement gas or liquid petroleum pipeline easement, the appraiser must comment in the appraisal. 12-47 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 40. Properties near Airports Change Date March 28, 2019 • This chapter has been revised in its entirety. a.

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Appraiser Appraisers must be familiar with noise zones and safety-related zones Responsibility surrounding airports in areas where they perform appraisals for VA. b. Appraisal Whenever a property is located near an airport, appraisers must consider the Considerations effect on value of any airport noise and select comparable sales, if available, with the same airport influence. c.

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Proposed Proposed construction located in a Clear Zone (also known as a Runway Construction Protection Zone) is not eligible. The appraiser must stop working on the in a Clear appraisal and notify the lender immediately. Zone d.

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Zone d. Existing or For existing or new construction located in a Clear Zone, the following New Veteran’s acknowledgement must be required on the NOV and signed by the Construction Veteran: “I am aware that the property being purchased is located near the end in a Clear of an airport runway and this may have an effect upon livability, safety, value Zone and marketability of the property.” e.

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Accident For all properties located in an accident potential zone, the following Potential Zone Veteran’s acknowledgement must be required on the NOV and signed by the Veteran: “I am aware that the property being purchased is located in an accident potential zone and this may have an effect upon the livability, safety, value, and marketability of the property.” f.

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Maps Airport noise zone maps may be found at Available https://www.faa.gov/airports/environmental/airport_noise/noise_exposure_maps/. Online 12-48 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 41. Manufactured Home Classified as Real Estate Change Date March 28, 2019 • This chapter has been revised in its entirety. a.

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MPRs Manufactured homes must meet the VA MPRs described in this Chapter. b. Real Estate The manufactured home and site must be considered a real estate entity in Entity accordance with state law and meet all local zoning requirements for real estate. c.

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Permanent The manufactured home must be placed on a permanent foundation, Foundation constructed to withstand both supporting loads and wind-overturning loads, that meets state and local requirements. d. HUD The manufactured home must be built to HUD Manufactured Home Standards Construction and Safety Standards. e.

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Space The manufactured home must have a floor area of not less than 400 square feet Requirements for a singlewide, or 700 square feet for a double wide manufactured home. f.

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State/Local Fee appraisers are expected to be familiar with state and local regulations Requirements governing manufactured homes (for example, missing HUD labels, alterations, modifications, additions, or component replacements), and to prepare appraisals subject to appropriate requirements for compliance. g.

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Proposed If the manufactured home is appraised as proposed construction, the following Construction exhibits are required: • foundation plan, • floor plan showing room layout and exterior dimensions, • elevation plans, and • specifications for flooring, heating, plumbing, electrical equipment, appliances and other items included with the manufactured home

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. 12-49 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 42.

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Modular Homes Change Date March 28, 2019 • This chapter has been revised in its entirety. a. State/Local Modular homes must meet all state and local building codes. Codes b. The appraiser will typically treat modular housing and on-frame modular Comparable housing in the same manner as conventionally built housing.

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The appraiser Sales 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 On-frame modular housing is factory built on a permanent chassis.

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The Modular appraiser must ensure that: Home Requirements • 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. 12-50 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 43.

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Energy Conservation and Sustainability Change Date March 28, 2019 • This chapter has been revised in its entirety. a. Energy Energy efficient mortgages are described in Chapter 7 of this Handbook. Efficient Veterans are provided information about this program in item #1a on NOVs Mortgages issued for existing properties (see Chapter 13, Appendix A of this Handbook). b.

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Energy VA encourages home improvements that conserve energy, reduce water usage, Conservation enhance safety or strengthen disaster preparedness. Encouraged 12-51 VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 44. Requests for Waiver of MPR Repairs Change Date March 28, 2019 • This chapter has been revised in its entirety. a.

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Waiver After the NOV has been issued, at the request of the Veteran, VA will consider Requested by waiving MPR repairs if the following conditions are met: a Veteran • the request is signed by the Veteran, • the lender concurs with the Veteran’s request, and • the property is habitable from the standpoint of safety, structural soundness, and sanitation.

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These requests should not allow for the Veteran to waive MPRs that could result in safety issues with the home. b. Inspection In support of the waiver request, while not required, providing an inspection Report report from a licensed professional who is qualified to assess the condition of the item in question will ensure the Veteran is fully informed about the condition of the item. c.

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If the request is approved, VA staff will amend the NOV, removing the repair Contributory requirement(s). Since appraisals are prepared “subject to” repairs, VA staff Value may reduce the value by the contributory value of the waived repair(s). If the contributory value of the repair item(s) is not material, the NOV may be issued without a change in value. d.

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