VA Lender Handbook M26-7 Chapter 14 — Construction Inspections

va-m26-7-ch14

VA Pamphlet 26-7 Chapter 14 governs construction inspections.

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source:
  type: regulation
  id: va-m26-7-ch14
  authority: VA Lender Handbook M26-7 Chapter 14 — Construction Inspections
  description: |
    VA Pamphlet 26-7 Chapter 14 governs construction inspections.
obligations:
  - id: va-m26-7-ch14-order-inspections-retain-reports
    canonical_id: va-m26-7-ch14-order-inspections-retain-reports
    section: VA M26-7 Ch. 14 — Order Inspections and Retain Reports
    description: |
      [LENDER] must order the required construction inspections and
      retain the original reports in the loan origination file. No loan
      on a manufactured home with unsatisfactory inspections is eligible
      for VA guaranty.
    type: do
    audit_question: For every VA-guaranteed construction or manufactured-home loan, can [LENDER] evidence (i) that the required inspections were ordered, (ii) that the original inspection reports were retained in the loan origination file, and (iii) that no loan with unsatisfactory manufactured-home inspections was submitted for VA guaranty?
    program_review: Does the program ensure required construction inspections are ordered, original reports retained in the origination file, and no manufactured-home loan with unsatisfactory inspections is submitted for guaranty?
    file_review: Spot-check construction/manufactured-home loans; confirm inspections ordered, original reports retained, and no unsatisfactory-inspection loan submitted.
    judgment: false
    feeds: []
    workflow_phase: closing
    owner_role: compliance_officer
    secondary_owner_role: closer
    cadence: per_loan
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - va
      - m26-7
      - ch14
      - construction-inspections
      - recordkeeping
      - promoted
    primary_source:
      tier: 1
      authority: VA Lender Handbook M26-7 Chapter 14 — Construction Inspections
      source_class: va-handbook-m26-7
      source_url: https://benefits.va.gov/WARMS/M26_7.asp
      snapshot_id: 17b91c2a732ffe2e
      fetched_at: '2026-05-23T01:50:00Z'
      content_hash: sha256:bc0939b792546beb6da1b218324aca6f8c5965bcef8931da33b13687b42dfae2
      paragraph_quote: 'Lenders must order the inspections and retain the original of the reports in '
      drafter_attestation: Copied verbatim from VA Handbook snapshot 17b91c2a732ffe2e (M26-7 Ch. 14 — Order inspections / retain reports) at 2026-05-23. Source PDF retrieved via Wayback Machine.
    promoted_at: '2026-05-23T02:14:22+00:00'
    promoted_from: va-m26-7-ch14-roundb-v1.yaml
  - id: va-m26-7-ch14-retain-inspection-related-material
    canonical_id: va-m26-7-ch14-retain-inspection-related-material
    section: VA M26-7 Ch. 14 — Retention of Inspection Reports
    description: |
      [LENDER] must retain all inspection-related material in the loan
      origination file.
    type: maintain
    audit_question: For every VA-guaranteed loan where construction or manufactured-home inspections were performed, can [LENDER] evidence retention of ALL inspection-related material (inspection reports, certifications, correspondence) in the loan origination file?
    program_review: Does the program retain ALL inspection-related material (reports, certifications, correspondence) in the loan origination file?
    file_review: Spot-check files with inspections; confirm all inspection-related material is retained in the origination file.
    judgment: false
    feeds: []
    workflow_phase: closing
    owner_role: compliance_officer
    secondary_owner_role: closer
    cadence: continuous
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - va
      - m26-7
      - ch14
      - inspection-recordkeeping
      - promoted
    primary_source:
      tier: 1
      authority: VA Lender Handbook M26-7 Chapter 14 — Construction Inspections
      source_class: va-handbook-m26-7
      source_url: https://benefits.va.gov/WARMS/M26_7.asp
      snapshot_id: 17b91c2a732ffe2e
      fetched_at: '2026-05-23T01:50:00Z'
      content_hash: sha256:bc0939b792546beb6da1b218324aca6f8c5965bcef8931da33b13687b42dfae2
      paragraph_quote: 'The lender must retain all inspection-related material in their loan origination '
      drafter_attestation: Copied verbatim from VA Handbook snapshot 17b91c2a732ffe2e (M26-7 Ch. 14 — Inspection retention) at 2026-05-23. Source PDF retrieved via Wayback Machine.
    promoted_at: '2026-05-23T02:14:22+00:00'
    promoted_from: va-m26-7-ch14-roundb-v1.yaml
  - id: va-m26-7-ch14-qualified-third-party-inspectors
    canonical_id: va-m26-7-ch14-qualified-third-party-inspectors
    section: VA M26-7 Ch. 14 — Qualified Third-Party Inspector Requirement
    description: |
      Required manufactured-home inspection reports (water/plumbing,
      electrical, fuel and heating) must be completed by qualified
      third-party inspectors — e.g., experienced plumbers, electricians,
      heating-and-air-conditioning contractors, and manufactured-home
      service personnel — following the installation and setup of the
      manufactured home on the lot. (Roof-coating certification may be
      made by the lender.)
    type: do
    audit_question: For every VA-guaranteed manufactured-home loan, can [LENDER] evidence that the water-plumbing, electrical, and fuel/heating system inspection reports were completed by qualified third-party inspectors after on-site installation and setup, and that the roof-coating certification accompanies the file?
    program_review: Does the program ensure required manufactured-home inspections (water/plumbing, electrical, fuel/heating) are completed by qualified third-party inspectors after on-site installation/setup, with the roof-coating certification on file?
    file_review: Spot-check manufactured-home loans; confirm the system inspections were by qualified third-party inspectors post-setup and the roof-coating certification is present. The officer judges whether the inspector qualifications meet the standard.
    judgment: true
    feeds: []
    workflow_phase: closing
    owner_role: compliance_officer
    secondary_owner_role: underwriter
    cadence: per_loan
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - va
      - m26-7
      - ch14
      - manufactured-home
      - third-party-inspector
      - promoted
    primary_source:
      tier: 1
      authority: VA Lender Handbook M26-7 Chapter 14 — Construction Inspections
      source_class: va-handbook-m26-7
      source_url: https://benefits.va.gov/WARMS/M26_7.asp
      snapshot_id: 17b91c2a732ffe2e
      fetched_at: '2026-05-23T01:50:00Z'
      content_hash: sha256:bc0939b792546beb6da1b218324aca6f8c5965bcef8931da33b13687b42dfae2
      paragraph_quote: 'These reports must be completed by qualified third-party inspectors, for '
      drafter_attestation: Copied verbatim from VA Handbook snapshot 17b91c2a732ffe2e (M26-7 Ch. 14 — Qualified inspectors) at 2026-05-23. Source PDF retrieved via Wayback Machine.
    promoted_at: '2026-05-23T02:14:22+00:00'
    promoted_from: va-m26-7-ch14-roundb-v1.yaml
_promotion_history:
  - promoted_at: '2026-05-23T02:14:22+00:00'
    candidate_path: obligations\_remediation\_round_b_drafts\va-m26-7-ch14-roundb-v1.yaml
    candidates_promoted: 3
    candidates_skipped_existing: 0

Verbatim regulatory text (3)

Verbatim provisions from VA Lender Handbook M26-7 Chapter 14 — Construction Inspections — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

VA M26-7 Ch. 14 — Order Inspections and Retain Reports

Lenders must order the inspections and retain the original of the reports in

Source: VA Lender Handbook M26-7 Chapter 14 — Construction Inspections · source URL · snapshot 17b91c2a732ffe2e

VA M26-7 Ch. 14 — Qualified Third-Party Inspector Requirement

These reports must be completed by qualified third-party inspectors, for

Source: VA Lender Handbook M26-7 Chapter 14 — Construction Inspections · source URL · snapshot 17b91c2a732ffe2e