Understanding the VA Appraisal Process: What is a SAR & NOV? (VA Loan Explained)

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Chapter 13 of the VA Handbook - https://benefits.va.gov/WARMS/docs/ad...

VA SAR - https://www.benefits.va.gov/homeloans...

If you're a veteran, active-duty service member, or military spouse using a VA Home Loan, understanding the VA appraisal process is crucial — and that includes knowing what a SAR (Staff Appraisal Reviewer) and NOV (Notice of Value) are.

In this video, VA loan expert David Piatek breaks down the VA appraisal process step-by-step, including:

✅ What a VA appraisal is (and isn’t)
✅ How the SAR reviews your appraisal
✅ What the NOV means and why it's important
✅ Common appraisal issues like peeling paint, Tidewater, and minimum property requirements
✅ What to do if your home doesn’t appraise high enough
✅ Escrow holdbacks, repair waivers, and termite inspection rules
✅ How this affects VA loan assumptions and second mortgages

Whether you’re buying, refinancing, or planning a VA loan assumption, this video will help you avoid common pitfalls and understand what lenders look for during the appraisal review process.

🧠 Real talk from someone who has closed thousands of VA loans. If you’re buying a home with a VA loan, this is essential viewing.

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DISCLAIMER: The content of VA Housing Education/VA Housing Education at Waterman Bank Channel is for educational purposes only. VA Housing Education Channel is provided under license by Waterman Bank. Waterman Bank will not extend credit of any kind without speaking to a Waterman Bank mortgage loan originator. The information on the VA Housing Education/VA Housing Education at Waterman Bank Channel should not directly be used to make decisions on home offers, purchasing decisions, is not guaranteed to provide specific results, imply lending terms, qualification amounts, or real estate advice. Any calculations should be verified independently. For real estate purchase advice consult licensed real estate, financial and legal professionals for advice. The views expressed on the VA Housing Education Channel and in all videos are those of the author or person presenting and do not represent those of Waterman Bank and are not intended to provide legal or compliance advice. The VA Housing Education/VA Housing Education at Waterman Bank Channel is not affiliated with or approved by the U.S. Department of Veterans Affairs (VA) or any other government agency. Contact Waterman Bank for your lending needs. Visit www.watermanbank.com or call 815-264-3201. Equal Housing Lender. NMLS #414704. Waterman Bank. Member FDIC.

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