Eight offices administer the entire VA home loan program. The one with jurisdiction over your property assigns the appraiser, sets the value on the Notice of Value, and decides Minimum Property Requirement questions — which is why appraisal timelines differ so much by region.
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VA Regional Loan Centers administer the home loan program for assigned states — appraisal management, Notice of Value questions, servicing escalations and lender oversight. Your file is handled by the RLC covering the property state, not the state you live in.
Jurisdiction follows the property's state, and that office controls your appraiser assignment and Notice of Value timing.
Reviewed by the licensed mortgage team at Simply Approved Mortgages · Last verified August 25, 2026 against the VA Lenders Handbook (M26-7)
See VA appraisal rulesEnter a 5-digit ZIP code to see the closest VA medical centers, clinics and Veterans Service offices. Directory information is published by the U.S. Department of Veterans Affairs.
Each RLC administers the VA home loan program for its jurisdiction: it assigns VA appraisers from the regional panel, issues the Notice of Value, runs the Tidewater process when value looks short, handles Minimum Property Requirement questions, and works entitlement and COE issues that the electronic systems can't resolve.
Jurisdiction follows the property's state, not where you live or where your loan team is located. A veteran in Texas buying in Colorado is a Denver RLC file.
No. The RLC assigns the appraiser from its regional panel through the VA portal. Neither the buyer nor the mortgage professional selects the appraiser, which is a core protection built into the VA program.
When a VA appraiser's value looks likely to come in below the contract price, the RLC's Tidewater process gives the point of contact a short window — typically two business days — to submit additional comparable sales before the value is finalized on the Notice of Value.
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SAM is the Simply Approved Mortgages AI assistant, grounded in the VA Lenders Handbook M26-7, 38 CFR Part 36 and the county loan-limit file behind this page. It answers general VA questions. A licensed mortgage loan originator reviews every scenario before any terms are confirmed.
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Program rules and figures on this page are taken from the primary government sources below, not from third-party summaries.
Verified against VA Lenders Handbook M26-7, Change 6 — August 12, 2026. Simply Approved Mortgages is not affiliated with or endorsed by HUD, VA, or any government agency.
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