Mortgage Navigator • VA Underwriting

VA Tidewater & Reconsideration of Value

A potential low VA appraisal does not always arrive without warning. VA has a process for value concerns and reconsideration.

Tidewater

When the appraiser believes the value may come in below the contract price, the VA Tidewater process can provide an opportunity for the designated parties to submit relevant market support before the appraisal is finalized, subject to current VA procedures.

Reconsideration of Value

After value is established, VA also has a Reconsideration of Value process for supported challenges. A successful ROV requires meaningful market evidence—not simply disagreement with the number.

Best practice: respond quickly, use genuinely comparable sales and explain factual/value issues clearly.

Official VA baseline

VA Pamphlet 26-7 — Chapter 4: Credit Underwriting · VA Home Loans

Educational summary. Lenders may impose overlays beyond VA's baseline.