NAR Goes to Capitol Hill on Appraisals for VA Home Loan Program

It’s no secret that a professional appraisal is key to getting a clear understanding of the home purchase. It’s an important part of ensuring that buyers pay a fair price for their new home, and buyers who utilize the Department of Veterans Affairs’ Home Loan Guaranty Program are no exception.

Realtors® took to Capitol Hill today to champion the good work happening at the VA, but also to warn Members of the House Committee on Veterans Affairs of the challenges facing appraisers who serve the Home Loan Guaranty Program.

Michelle Bradley, Immediate Past Chair of the National Association of Realtors® Real Property Valuation Committee, testified before the HVAC’s Subcommittee on Economic Opportunity to offer her expertise as a state-certified general real property appraiser. She told Members of the Committee that despite the good work happening within the program, regulatory burdens remain that need attention.

“America’s veterans have been well-served for years by VA’s appraisal system, and professionals in the business should be proud of their good work,” Bradley said. “Unfortunately, that system is under tremendous pressure today.”

For over 70 years, the VA Home Loan Guaranty Program has served veterans and active duty service members with zero-down payment options and by encouraging private lenders to offer favorable terms on home loans.

Veterans made up 18 percent of homebuyers in a recent NAR survey, with over half of those buyers turning to a VA loan to finance their home purchase. That means getting the program right is important, but Bradley pointed out a number of impediments to continuing the current level of service.

“What we’ve found is that, among appraisers, there’s a real reluctance to work with the VA,” Bradley said. “Generally, appraisers are dissatisfied with the level of compensation they’re receiving for their work. It’s also harder than ever for trainees to enter the field, not just within the VA system but across the industry, which only adds to the perception of an appraiser shortage. This overall regulatory burden is a significant issue, and we have to turn things around.”

Despite these  challenges, Bradley sounded optimistic as she faced the Committee.

“What we have today isn’t perfect, but it’s an important part of ensuring veterans and active-service members are protected when using a VA home loan,” Bradley said. “NAR looks forward to working with the VA and Members of Congress to improve this system in the years to come.”

For more on the subject, NAR recently released fresh survey data from over 2,000 appraisers within the industry. That’s available online here: http://narnewsline.blogs.realtor.org/2017/03/16/appraiser-survey-shows-challenges-remain-for-practitioners/

If you’re a veteran considering purchasing a home give me a call for more information about the VA loan program – J.P. Cook – 602-320-4253.

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3179 E Portola Valley Court Gilbert, AZ 85297

$1,810,000

5 Beds

4 Baths

4,200 SqFt

Status Active

MLS # 6754463

Property Type Single Family Residence

Price Type --

Discover this stunning 5-bedroom Tuscan Gem in a gated community at the end of the cul-de-sac! The property boasts an impressive 1,196 sq ft, 4-car garage, an attractive paver driveway, an RV gate, eye-catching Cantera stone accents, an impeccably maintained landscape, and a charming front porch. Inside, you will find 10-14' coffered ceilings, floor-to-ceiling windows that flood spaces with natural light, and elegant travertine tile flooring. The inviting great room has a striking stone-clad fireplace for cozy evenings and a wet bar for entertaining. The formal dining room is designed to host memorable gatherings with loved ones. Double doors lead to a den, ideal for an office or study. The Primary bedroom offers plush carpeting, a romantic stone-clad fireplace and a spa-like ensuite with dual vanities, a jetted tub, and a walk-in closet. Cook delicious meals in the gourmet kitchen, complete with gleaming granite counters, abundant white shaker cabinetry with crown molding, a custom tile backsplash, sleek stainless-steel appliances, inclusive of 2-premium dishwashers, pendant/recessed lighting, a walk-in pantry, and a two-tier island with a breakfast bar for casual dining. The enchanting hugh backyard showcases a covered patio for shade on sunny days, a gazebo for outdoor dining, a built-in BBQ, a warm fire pit with a sitting area, and a sparkling gas heated pool (41' long by 7' deep), a stone grotto, ramada, outdoor grill, grass area and RV gate for storage. Security Camera System (16 Cameras), Alarm System, and remote security window coverings (Roller Shades on Primary BR windows), Whole House Water System, including RO water, New Custom Garage Doors - Insulated (includes Elite maintenance package on doors until 11/2026). Make this masterpiece yours today! See document page for upgrades.

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19360 N 73rd Street Unit 1072 Scottsdale, AZ 85255

$1,804,000

3 Beds

3.5 Baths

2,957 SqFt

Status Active

MLS # 6784739

Property Type Apartment

Price Type --

Belgravia Group presents Atavia, a private gated community of 88 luxury condominiums coming soon to North Scottsdale. Atavia blends the breathability of single-family living with the carefree convenience of condominium ownership. Designed by award-winning international architecture firm KTGY, with a clubhouse inspired by Frank Lloyd Wright's iconic Taliesin West. Atavia is perfectly situated at the Loop 101 and Scottsdale Rd within the One Scottsdale masterplan development. Each exceptional home features a private entry with 2 car garage, Italian kitchen cabinetry, Sub-Zero and Wolf appliances, 1 ¼'' quartz counters, and wood floors throughout main living areas. Residence F1 has a private in-home elevator and a 570 sf private rooftop deck with a louvered pergola and porcelain pavers.

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19360 N 73rd Street Scottsdale, AZ 85255

$1,804,000

3 Beds

3.5 Baths

2,957 SqFt

Status Active Under Contract

MLS # 6772677

Property Type Apartment

Price Type --

Belgravia Group presents Atavia, a private gated community of 88 luxury condominiums coming soon to North Scottsdale. Atavia blends the breathability of single-family living with the carefree convenience of condominium ownership. Designed by award-winning international architecture firm KTGY, with a clubhouse inspired by Frank Lloyd Wright's iconic Taliesin West. Atavia is perfectly situated at the Loop 101 and Scottsdale Rd within the One Scottsdale masterplan development. Each exceptional home features a private entry with 2 car garage, Italian kitchen cabinetry, Sub-Zero and Wolf appliances, 1 ¼'' quartz counters, and wood floors throughout main living areas. Residence F has a private in-home elevator and a 570 sf private rooftop deck with a louvered pergola and porcelain pavers.

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Sonoita AZ 85637

$1,800,000

4 Beds

4 Baths

2,747 SqFt

Status Active

MLS # 6760926

Property Type Single Family Residence

Price Type --

Discover Your Equestrian Oasis in Sonoita, Arizona Nestled just 30 minutes from Tucson, this stunning 20-acre horse ranch in Sonoita offers the ultimate in secluded luxury. Perched at an elevation of 4,998 feet, the property boasts breathtaking views of the surrounding mountains and a prime location in Arizona's renowned wine country which has some of the best wine outside of France. Equestrian Paradise. Horse enthusiasts will delight in the spacious 240 x 110 riding arena, 16 covered stalls, and 10 lush grass paddocks. Whether you're training your beloved horses or simply enjoying the tranquility of the countryside, this property has everything you need. Main Residence. The main residence is a masterpiece of modern design, featuring bamboo floors, exotic granite countertops... and a recently added primary bedroom with a black basalt feature wall, Viscount granite, and a private walkout balcony. The second primary bedroom offers stunning views of the property from its lookout window. Casita. The charming casita provides a perfect guest house or rental opportunity. With its picturesque mountain views and transom windows, this cozy space offers a peaceful retreat. Unparalleled Location.Enjoy the best of both worlds with easy access to the vibrant city of Tucson and the serene beauty of Sonoita. Explore nearby Patagonia State Park, known for its camping, trails, and lake, or indulge in the region's world-class wineries. For birdwatchers, the Patagonia-Sonoita Creek Preserve is a must-visit as it is the hotspot of the southwest. Live the Dream. This exceptional property offers the perfect combination of luxury, natural beauty, and equestrian amenities. Whether you're seeking a private retreat or a thriving equestrian business, this off-grid horse ranch is an ideal choice. Buyer is aware some MLS photos have been staged for marketing purposes.

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38306 N 108th Street Scottsdale, AZ 85262

$1,800,000

5 Beds

5 Baths

5,217 SqFt

Status Active

MLS # 6752636

Property Type Single Family Residence

Price Type --

PRICED AT JUST $345 / sq. ft....THE LOWEST IN GATED MIRABEL VILLAGE!!!! Discover contemporary comfort in N. Scottsdale's gated Mirabel Village. This Monterey home has 5,217 sq. ft. open-concept & split floor plan on main level seamlessly connect the chef's kitchen, featuring stainless appliances, a walk-in pantry and a butler's area, to inviting living spaces. The main level includes a spacious owner's suite with a fireplace, two ensuite bedroom, & a charming gated entry courtyard. For outdoor enthusiasts, you are close to hiking, biking & boating at Bartlett Lake. Just a mile from Desert Mountain & Mirabel golf communities, minutes from downtown Carefree & Cave Creek, this home also offers a versatile loft, balconies with stunning views, fresh paint, new light fixtures & 2 two car garage

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12696 Rustic Cabin Trail Parks, AZ 86018

$1,800,000

3 Beds

2.5 Baths

2,915 SqFt

Status Active

MLS # 6777262

Property Type Single Family Residence

Price Type --

Experience the ultimate mountain lifestyle in this one-of-a-kind, custom-designed Pioneer Log Home crafted by renowned architects in Hamilton, Montana. Nestled in the woods and backing directly onto National Forest land, this property invites you to live the outdoor lifestyle you've always dreamed of, whether you're exploring the forest on horseback or cruising the trails with your outdoor vehicles. Plus, with its prime location and luxurious features, this home offers excellent VRBO potential, making it a great opportunity for those seeking a successful vacation rental. The expansive Trex decking with cedar railing stretches the entire East side of the home, offering both covered and open areas to relax and soak in the breathtaking, unrestricted views of the San Francisco Peaks. Kendrick Mountains. On the West side, you'll find a fenced-in area perfect for horses or other outdoor activities, with a paved road providing easy access to your forest retreat. Inside, discover a stunning Malipi rock, floor-to-ceiling fireplace in the living room, a luxurious primary bedroom, spacious guest rooms with a Jack-and-Jill full bath, and a separate laundry/mudroom with a slate floor. The fully equipped kitchen is perfect for entertaining after a day spent in nature. This home is more than just a retreatit's a lifestyle where mountain living, adventure, and luxury meet, with the added benefit of VRBO success for additional income.

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6710 E Rockaway Hills Road Cave Creek, AZ 85331

$1,800,000

4 Beds

2.5 Baths

3,262 SqFt

Status Active

MLS # 6770674

Property Type Single Family Residence

Price Type --

Stunning Custom Home on Over 5 Acres-Experience the beauty of desert living in this stunning custom home, perfectly situated on over 5 acres with panoramic mountain views. Designed to embrace the scenic landscape, the backyard is your personal desert retreat, featuring a negative edge pool, spa, and ample space for outdoor relaxation and dining under the stars. Step inside to a grand entry that leads to a functional kitchen and breakfast living room, complete with a stacked stone fireplace. The primary bedroom and bath serve as a true owner's retreat, boasting a spa-like atmosphere with a soaking tub and a spacious walk-in closet. Enjoy spectacular views from the formal dining room, enhanced by a two-sided fireplace shared with the living room. An upstairs studio offers amazing views, making it an ideal space for creativity or guests. This unique property combines tranquility and beauty, providing the perfect escape. For car enthusiasts, the oversized 4-car garage is a mechanic's dream, while the property also includes a large covered stall with a shed/tack room, perfect for equestrian needs and ready for expansion. Don't miss your chance to make it yours!

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39839 N Spur Cross Road Cave Creek, AZ 85331

$1,800,000

3 Beds

3 Baths

2,785 SqFt

Status Active

MLS # 6771434

Property Type Single Family Residence

Price Type --

Enjoy privacy and expansive views in every direction from this beautiful 6.23-acre equestrian property. Located just minutes from Cave Creek, a quaint little western town that bustles with restaurants, shops and numerous amenities. This property is close to Spur Cross Ranch Conservation Area with a riparian area and Elephant Butte which offer trails for hiking, biking, trail-riding and exploring. A lovely courtyard sets the stage for this 2,785 sq ft, single story home that has been thoughtfully updated and impeccably maintained. This house enjoys lots of natural light throughout and lives large with allocated spaces for everyone. There is a designated living room and dining room, 3 spacious bedrooms and 3 fully remodeled bathrooms. The updated kitchen anchors the home

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12238 E Poinsettia Drive Scottsdale, AZ 85259

$1,800,000

5 Beds

4.5 Baths

4,311 SqFt

Status Active

MLS # 6776329

Property Type Single Family Residence

Price Type --

The moment you enter this elegant Mediterranean Estate, you will notice the warm inviting aesthetic, blending indoor and outdoor living with rich historical character. The incredible attention to every detail with custom painted murals on the interior is truly magnificent. The onyx sinks and stunning roman soaking tub in the primary bathroom coupled with the craftsmanship of the custom cabinets is one of a kind. The kitchen is a chefs dream with top of the line stainless appliances including a double oven and plenty of cabinet space with pull out drawers. The bar area has built in wine racks, beverage fridge and a rose gold sink. All 5 bedrooms are large enough to have king beds, with access to their designated bathrooms for ultimate luxury and privacy for all of your guests. The large covered patio space and lush outdoor landscape provides a serene retreat for your most discerning buyer. Have your friends over to barbecue and a swim in the pool and spa, and enjoy your evenings by the outdoor fireplace. Check out the features list for updates including a newer roof, whole house water softener, 2011 AC units, epoxy garage floor with cabinets and a work bench!

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600 N Redbud Circle Payson, AZ 85541

$1,800,000

4 Beds

5 Baths

3,390 SqFt

Status Active

MLS # 6778570

Property Type Single Family Residence

Price Type --

Amazing single level beauty in the prestigious community of Chaparral Pines awaits you. This 4 bedroom, 5 bath, oversized 3 car garage sits on 1+ acre at the end of a cul de sac and has all the bells and whistles one would expect in a high quality home built by WTM Construction. Wonderful driveway to the home and large back patio and walk walkways are all done in pavers and the landscaping is meticulous. Upon entering the home through the French doors is an charming foyer leading into an open floor plan of great room with ceiling to floor stone gas fireplace and fantastic kitchen with a large breakfast bar, walk in pantry, Wolfe gas cooktop, gorgeous granite and so much more. Floor plan is split and all bedrooms have their own private baths with walk in closets. Great room, master bedroom, separate dining area, and office all have beamed ceilings. Flooring is engineered hard wood throughout with tile in all the wet areas. Patios all have T&G porch lids and wrought iron railings. Oversized garage has epoxy flooring and built in cabinets. This stunning home is energy efficient and has ceiling fans throughout, a propane tankless water heater, and a soft water system. The back yard is very treed and offers privacy and tranquility. Storage and cabinets galore. This home is a must see! Too many upgrades to mention.

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10721 N Skyline Drive Fountain Hills, AZ 85268

New

$1,800,000

4 Beds

3.5 Baths

4,527 SqFt

Status Active

MLS # 6782892

Property Type Single Family Residence

Price Type --

This stunning residence offers a seamless layout with two spacious great rooms, and expansive picture windows framing views of Red Rock, Four Peaks, and the beautiful Fountain Hills landscape. The gourmet kitchen opens to a large covered terrace, perfect for entertaining and enjoying the scenery. The main floor includes a serene primary suite and a welcoming living area, while the walk-out basement is an entertainer's dream—complete with a resort-style heated pool and spa! Conveniently located near the Scottsdale border, you'll enjoy easy access to shopping and dining while relishing the tranquility of Fountain Hills. Don't miss this unique blend of elegance and views!

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6338 E Amber Sun Drive Scottsdale, AZ 85266

$1,800,000

4 Beds

3.5 Baths

3,033 SqFt

Status Active

MLS # 6760678

Property Type Single Family Residence

Price Type --

This rare expanded Nimbus model in Terravita on a 15k sf lot, is upgraded and wrought with contemporary SW style! Soaring ceilings and backyard views greet you upon entering from a private courtyard with casita access. In the kitchen: convection oven/microwave, warming drawer, built-in refrigerator & island gas cooktop. Wet bar, formal dining/living and screened/covered patio atop travertine pavers, surrounded by desert plantings worthy of botanical gardens, all make for great entertaining. Black Mtn views from the hot tub, outdoor fireplace, and heated lap pool with deck jets. Backyard access from the primary suite, with dual closets, copper soaking tub and designer touches. Expanded casita makes 2nd office, fourth bedroom, or gym space possible. Welcome to N Scottsdale gated perfection!

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