Construction and Valuation
Local Requirements - To be
considered prior to issuance of the VA Notice of
Value
ALPHABETICAL STATE LISTING
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IMPORTANT:
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Each State is listed alphabetically, with the VA
Regional Loan Center (RLC) of jurisdiction shown in
parentheses.
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A VA Regional Loan Center's
local requirements
pertain only to properties within the particular
state in that RLC's jurisdiction. The primary source
of information about VA nationwide requirements is
the VA Lender’s Handbook. local requirements
supplement those in the Handbook.
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Unless otherwise noted, wood-destroying insect
information is required per Section 13.06 of the
Lender’s Handbook. Regardless of the location of the
property, an inspection is always required if the
appraisal report indicates evidence of
wood-destroying insect damage or an active insect
infestation.
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VA offices may instruct fee appraisers to list, when
applicable, other local requirements as conditions
on appraisal reports. Contact the fee appraiser or
VA office if there is a question about an appraisal
report condition.
ALABAMA
-
St. Petersburg Regional Loan Center
All manufactured
homes must be installed by a state-licensed
installer.
ALASKA -
Denver
Regional Loan Center
-
Upon transfer of
an ownership interest, every Alaska property
with an individual water supply and/or sewage
disposal system requires evidence from the local
Health Authority (or other source authorized by
VA) that those systems are acceptable.
-
The VA notice of value for every “Energy Rated Home”
with a value adjustment for a “Five Star” or “Five
Star+” rating must state, “Lender to provide
evidence of Five Star or Five Star+ energy rating.”
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Property located in either a Red or Blue avalanche
zone is not eligible to be the security for a
VA-guaranteed loan.
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Call the Anchorage office if there are questions
regarding property characteristics peculiar to
Alaska, such as: ice cellars in Barrow; valuation of
garages, or water supply/sewage disposal system
service in Bethel; cistern water supplies in
Ketchikan; adjustable foundations in Fairbanks/North
Pole; fractional lots in Juneau; etc.
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Wood-destroying insect information is not generally
required.
ARIZONA
-
Phoenix Regional Loan Center
For properties listed on a master appraisal, the
combined value of the optional items selected by a
veteran purchaser can not exceed 15 percent of the
reasonable value assigned for the base plan type
(exclusive of any lot premium).
ARKANSAS
-
Houston Regional Loan Center
No local requirements.
CALIFORNIA -
Phoenix Regional Loan Center
For properties listed on a master appraisal, the
combined value of the optional items selected by a
veteran purchaser can not exceed 15 percent of the
reasonable value assigned for the base plan type
(exclusive of any lot premium).
COLORADO -
Denver
Regional Loan Center
For Colorado properties to be covered by a ten-year
insured protection plan, the warranty must also
cover the basement slab for the first through the
fourth year.
CONNECTICUT -
Manchester
Regional Loan Center
No local requirements.
DELAWARE -
Cleveland
Regional Loan Center
No local requirements.
DISTRICT OF COLUMBIA -
Roanoke
Regional Loan Center
No local requirements.
FLORIDA -
St. Petersburg Regional Loan Center
-
A heating system is not required in the following
south Florida counties: Broward, Charlotte, Collier,
Dade, Glades, Hendry, Lee, Martin, Monroe and Palm
Beach.
-
Since the State of Florida does not allow anyone
other than a licensed appraiser to establish value,
lenders cannot use their LAPP authority to change
the appraiser’s value estimate.
-
All manufactured
homes must be installed by a state-licensed
installer.
GEORGIA -Atlanta
Regional Loan Center
No local requirements.
HAWAII (Honolulu
Regional Office)
For leasehold estates, a copy of the lease must
accompany the appraisal request. The total lease
term must exceed the mortgage term by 14 years, and
the mortgage term must not exceed the fixed rent
period of the lease.
IDAHO -
Denver
Regional Loan Center
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All community water systems in Idaho must be
currently approved by both the Idaho Department of
Environmental Quality and the local health
authority.
-
Every Idaho property in the Spokane/Rathdrum
Prairie Single Source Aquifer (essentially Kootenai
County) with an individual sewage disposal system
requires evidence from the local health authority
that the system is acceptable.
ILLINOIS -
St. Paul
Regional Loan Center
No local requirements.
INDIANA -
Cleveland
Regional Loan Center
No local requirements.
IOWA -
St. Paul
Regional Loan Center
No local requirements.
KANSAS -
St. Paul
Regional Loan Center
No local requirements.
KENTUCKY -
Roanoke
Regional Loan Center
No local requirements.
LOUISIANA -
Houston Regional Loan Center
No local requirements.
MAINE -
Manchester
Regional Loan Center
Wood-destroying insect information is not generally
required.
MARYLAND -
Roanoke
Regional Loan Center
No local requirements.
MASSACHUSETTS -
Manchester
Regional Loan Center
Every Massachusetts property with an individual
sewage disposal system requires evidence from the
local health authority (or other source authorized
by VA) that the system meets the Massachusetts
Department of Environmental Protection (DEP) Title 5
standards.
MICHIGAN -
Cleveland
Regional Loan Center
-
Wood-destroying insect information is required for
all properties in the following Michigan counties:
Allegan, Barry, Berrien, Branch, Calhoun, Cass,
Hillsdale, Ionia, Jackson, Kalamazoo, Kent, Lenawee,
Livingston, Macomb, Mason, Monroe, Muskegon,
Oakland, Oceana, Ottawa, St. Clair, St. Joseph,
VanBuren, Washtenaw and Wayne.
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A copy of the builder’s license is required for all
Michigan properties appraised as either proposed or
under construction or new construction.
MINNESOTA -
St. Paul
Regional Loan Center
Wood-destroying insect information is not generally
required.
MISSISSIPPI -
St. Petersburg Regional Loan Center
All manufactured
homes must be installed by a state-licensed
installer.
MISSOURI -
St. Paul
Regional Loan Center
No local requirements.
MONTANA -
Denver
Regional Loan Center
Wood-destroying insect information is not generally
required.
NEBRASKA -
St. Paul
Regional Loan Center
-
Every Nebraska property with an individual water
supply or sewage disposal system requires evidence
from the Nebraska Department of Health (or their
authorized local health authority) that the system
is acceptable.
-
Wood-destroying insect information is required for
all Nebraska properties.
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Notices of Value for properties in the Eastern
Omaha, Nebraska area, identified by the fee
appraiser under the comment section describing
environmental conditions of the URAR stating: "The
Home may be located in a superfund area. The U.S.
Environmental Protection Agency (EPA) will/has
evaluate(d) this site for lead soil contamination.
For more information call the EPA at (800) 223-0425"
must be conditioned for written veteran
acknowledgment that the property may be subject to
lead contamination as determined by the
Environmental Protection Agency (EPA).
NEVADA -
Phoenix Regional Loan Center
For properties listed on a master appraisal, the
combined value of the optional items selected by a
veteran purchaser can not exceed 15 percent of the
reasonable value assigned for the base plan type
(exclusive of any lot premium).
NEW HAMPSHIRE
-
Manchester
Regional Loan Center
Wood-destroying insect information is required only
for the southern New Hampshire counties of Cheshire,
Sullivan, Merrimack, Rockingham, Belknap,
Hillsborough and Strafford.
NEW JERSEY -
Cleveland
Regional Loan Center
-
For all properties appraised as either proposed or
under construction or new construction, the builder
must provide the purchaser with an approved Home
Owners Warranty policy, available through the New
Jersey home insurance program.
-
Every New Jersey property with an individual sewage
disposal system requires evidence from the local
health authority (or other source authorized by VA)
that the system is acceptable.
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All condominium projects must be registered with the
State of New Jersey Consumer Affairs Department,
which will provide a case number and a written
notice of project approval.
NEW MEXICO -
Phoenix Regional Loan Center
No local requirements.
NEW YORK -
Manchester
Regional Loan Center
Wood-destroying insect information is required for
all properties in the following New York counties:
Bronx, Broome, Columbia, Delaware, Dutchess, Greene,
Kings, Nassau, New York, Orange, Putnam, Queens,
Richmond, Rockland, Suffolk, Sullivan, Ulster and
Westchester.
NORTH CAROLINA
-Atlanta
Regional Loan Center
No local requirements.
NORTH DAKOTA -
St. Paul
Regional Loan Center
Wood-destroying insect information is not generally
required.
OHIO -
Cleveland
Regional Loan Center
No local requirements.
OKLAHOMA -
Houston Regional Loan Center
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Oklahoma property less than 300 feet from the
boundary of an active or planned oil or gas drilling
site or less than 75 feet from the boundary of an
operating well is not eligible to be the security
for a VA-guaranteed loan.
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Call the Muskogee office if the property is within
300 fee of a stationary storage tank containing more
than 1000 gallons of flammable or explosive
material.
OREGON -
Denver
Regional Loan Center
No local requirements.
PENNSYLVANIA -
Cleveland
Regional Loan Center
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Springs or cisterns are not an acceptable water
supply. A dug well is acceptable only in Erie County
along the Lake Erie coast.
-
Mine subsidence insurance is required in active
mining areas and in areas with known subsidence
problems from previous mining.
PUERTO RICO -St. Petersburg Regional Loan Center
Wood-destroying insect information is required if
any part of the property (including carport,
terraces, etc.) is (or will be) constructed of wood
not pressure treated in conformance with American
Wood Preservers Institute (A.W.P.I) standards.
RHODE ISLAND -
Manchester
Regional Loan Center
No local requirements.
SOUTH CAROLINA
-Atlanta
Regional Loan Center
No local requirements.
SOUTH DAKOTA -
St. Paul
Regional Loan Center
No local requirements.
TENNESSEE
-Atlanta
Regional Loan Center
No local requirements.
TEXAS -
Houston Regional Loan Center
Every property having an individual sewage disposal
system in the Houston RLC jurisdiction which has a
Loan Identification Number or VA Case Number
containing the digits: "62-62-6" requires evidence
from the local health authority that the system is
acceptable. If the local authority will not provide
that evidence, then any qualified party of the
lender's choice may inspect the system.
UTAH -
Denver
Regional Loan Center
Wood-destroying insect information is required for
all Utah properties.
VERMONT -
Manchester
Regional Loan Center
Wood-destroying insect information is required only
in the southern Vermont counties of Bennington and
Windham.
VIRGINIA -
Roanoke
Regional Loan Center
No local requirements.
WASHINGTON -
Denver
Regional Loan Center
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For manufactured homes in the State to be considered
real property, title as a Manufactured/Mobile home
must be eliminated.
-
All additions, modifications or attachments to a
manufactured home, including roof replacement, must
be inspected and approved by the Washington State
Department of Labor and Industries.
-
Although wood-destroying insect information is not
generally required, when an inspection is necessary
the State requires that it identify rot and
conditions conducive to rot. For that reason, either
the Washington State Pest Association form must be
used or an appropriate attachment made to the NPMA -
33 form.
WEST VIRGINIA
-
Roanoke
Regional Loan Center
No local requirements.
WISCONSIN -
St. Paul
Regional Loan Center
No local requirements.
WYOMING -
Denver
Regional Loan Center
No local requirements.
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