VA Just Changed 5 Appraisal Rules — Every Agent Needs to Know This

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VA just made five major changes to its property and appraisal requirements. As of September 1st.

For years, VA offers have carried a reputation with sellers of being harder to close, with more inspections, more repairs and more delays. That reputation has cost veterans homes in competitive markets.

That is changing.

In this week's Monday Market Update, Nikki Erickson from Kevnik Mortgage and I break down every one of the VA changes. We also cover the brand new 2027 loan limits and what they mean for your buyers and sellers.

This week we are covering:
✅ Interest rate update: rates are back in the high sixes to low sevens after last week's Fed rate hike
✅ Will the Fed raise rates again before the end of the year?
✅ VA removes the radon test requirement for post-1978 homes
✅ Peeling and chipping paint rules relaxed on post-1978 homes
✅ Detached garages, sheds and ADUs are no longer held to the same appraisal standard
✅ VA loosens heating source requirements, so vented heat is no longer required
✅ VA is working to cut appraisal turnaround from 10 days down to 7 business days
✅ New 2027 conforming loan limit ($845,000) and FHA loan limit ($549,250), and when lenders will start using them
✅ Why this matters for your buyers, your sellers and anyone upsizing or downsizing in the next few months

The general message this week is simple. VA is moving toward making its offers just as smooth as conventional. If you've ever hesitated to recommend a VA offer to a seller, this episode is going to change how you talk about it.

I say it every week and I'll say it again: who you partner with matters. That's why I bring Nikki on every Monday.

Share this with every agent you know.

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📞 Connect with Nikki Erickson at Kevnik Mortgage:
📱 Call or Text: 952-484-1584
📧 Email: nikki@kevnikgroup.com
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00:00 Introduction – Week of September 20th and This Week's Rate Update
00:35 The Fed Rate Hike – Will They Raise Again Before the End of 2026?
01:30 VA Loosens Appraisal Rules – 5 Big Changes Explained
01:50 Change #1 – No More Radon Test Requirement
02:40 Change #2 – Peeling and Chipping Paint Rules Relaxed
03:30 Change #3 – Detached Garages, Sheds and ADUs Held to a Lower Standard
04:30 Change #4 – Heating Source Requirements Loosened
05:20 Change #5 – Faster VA Appraisals From 10 Days Down to 7
07:26 New 2027 Conforming and FHA Loan Limits – When You Can Use Them
09:38 Why This Matters for Your Buyers and Sellers Right Now
  
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