{"id":45041,"date":"2018-01-16T15:10:38","date_gmt":"2018-01-16T15:10:38","guid":{"rendered":"https:\/\/one.sightlinemg.com\/armytimes\/uncategorized\/2018\/01\/16\/va-appraisal-rules-amp-regulations-why-location-matters\/"},"modified":"2026-08-08T03:42:34","modified_gmt":"2026-08-08T03:42:34","slug":"va-appraisal-rules-amp-regulations-why-location-matters","status":"publish","type":"post","link":"https:\/\/one.sightlinemg.com\/armytimes\/home-hq\/2018\/01\/16\/va-appraisal-rules-amp-regulations-why-location-matters\/","title":{"rendered":"VA appraisal rules &amp; regulations: Why location matters"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Maybe you\u2019ve successfully leaped through the hoops of home ownership on multiple occasions. Maybe there\u2019s nothing in an appraisal or the fine print of a loan agreement that could trip you up. Maybe you\u2019ve seen enough \u201csign here\u201d and \u201cinitial here\u201d tabs to make you an expert.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But &#8230; have you tried it in another state?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The VA loan program may be a national entity, but that doesn\u2019t mean all of its rules apply to all of its localities. Variations abound, and that\u2019s not including <a href=\"https:\/\/www.militarytimes.com\/home-hq\/2018\/01\/09\/not-just-va-state-backed-programs-may-help-you-buy-your-next-home\/\" title=\"\" class=\"\" target=\"_blank\">state-run veteran home-ownership programs<\/a> wholly separate from VA benefits.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here are just a few of those regional differences, courtesy of various VA websites and other documentation:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Homes in 10 Florida counties (Broward, Charlotte, Collier, Dade, Glades, Hendry, Lee, Martin, Monroe and Palm Beach) can qualify for VA-backed loans without a heating system.<\/li><li>In Pennsylvania, springs or cisterns don\u2019t qualify as acceptable water supplies. Neither do dug wells, except those in parts of Erie County.&nbsp;<\/li><li>You\u2019ll also need special mine-related insurance for parts of Pennsylvania. Figure you can escape to Hawaii instead? You\u2019ll need lava insurance in parts of that state, though VA will back loans for properties in <a href=\"https:\/\/volcanoes.usgs.gov\/observatories\/hvo\/faq_lava.html\" title=\"\" class=\"\" target=\"_blank\">Lava Zones 1 and 2<\/a>.<\/li><li>No lava insurance needed for Alaska, and many homes don\u2019t require termite inspections. However, VA won\u2019t back loans for properties in Red or Blue avalanche zones.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Requirements for the appraisals themselves \u2014 specifically, how much they can cost and how long they can take \u2014 also vary wildly by region. Most locations allow five to 10 days for an appraisal, though some more remote areas can allow three to four weeks. Fees also vary not just by location, but by the type of residence; click <a href=\"https:\/\/www.benefits.va.gov\/HOMELOANS\/appraiser_fee_schedule.asp\" title=\"\" class=\"\" target=\"_blank\">here<\/a> for a full overview and to see what rules apply to your area.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>How close are you to mines? What about lava? Avalanches? VA rules can have local flavor.<\/p>\n","protected":false},"author":7,"featured_media":37423,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_acf":"","_yoast_wpseo_primary_category":9,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","_smg_distribution_targets":{"2":{"categories":["home-hq","home-hq","newsletters"],"primary_category":"home-hq"},"4":{"categories":["home-hq"],"primary_category":"home-hq"},"6":{"categories":["home-hq"],"primary_category":"home-hq"},"7":{"categories":["home-hq"],"primary_category":"home-hq"}}},"categories":[9],"tags":[],"coauthors":[787],"class_list":["post-45041","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-hq"],"acf":{"subheadline":"","legacy_arc_id":"RN7C3F2KVFGWJNBYKK5WWGYIVY","arc_canonical_url":"\/home-hq\/2018\/01\/16\/va-appraisal-rules-amp-regulations-why-location-matters\/","remove_feature_photo":false,"is_sponsored":false,"subtype":"","redirect_url":"","disable_inline_ads":false,"native_logo_pretext":"Presented By:"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.0 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>VA appraisal rules &amp; regulations: Why location matters - Army Times<\/title>\n<meta name=\"description\" content=\"How close are you to mines? 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