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VA Home Loans

SAR Application: Lender Appraisal Processing Program (LAPP)


For information on LAPP, refer to Chapter 15 of VA Lenders Handbook

SAR Application Procedure

To receive SAR approval, lender must submit $100.00 SAR processing fee, applicant's resume and completed/signed VA Form 26-0785 (both pages).

Completed SAR application, resume, and SAR application fee must be submitted to Department of Veterans Affairs - Administrative and Loan Accounting Center (105/241A) - Attn: Agent Cashier - 1615 Woodward Street, Austin, TX 78772-0001

VA LAPP Lender Eligibility

Only supervised lenders and non supervised lenders who have been approved for the automatic authority by Central Office (262a) are eligible to apply for LAPP participation.

Qualification Requirements

In order to be eligible to participate in LAPP, lender's staff appraisal reviewer must be a full-time employee of the lender and have at least 3 years of experience of a type which qualifies him/her to competently perform administrative appraisal reviews in conjunction with underwriting loans for VA loan guaranty purposes.

Applicants with at least 3 years of experience related to the Department of Housing and Urban Development (HUD) Direct Endorsement program are considered qualified for LAPP participation, provided all other application requirements are satisfied.


There is no restriction on the location of a lender's SAR

Processing Fee

Lenders requesting SAR approval must pay a one-time processing fee of $100 for each staff appraisal reviewer (SAR). Fee is to be submitted with SAR application and is non refundable, even if SAR is found unacceptable.

Lender Quality Control System

To participate in LAPP, the lender must have an effective quality control (QC) or comparable system to ensure the adequacy and quality of its staff appraisal reviews. This QC must be independent of the lender's loan production operation.

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