VA Loan Regional Center Spotlight: St. Paul

St. Paul at night

When applying for a VA loan, it's important to remember that an appraiser is always required to estimate the true value of the home. Their decision affects the bottom line: the VA will only back a loan to the maximum value of the home. It may come as a surprise, but where you live can affect appraiser fees. The VA has a few regional loan centers that handle multiple states, and their standards set the bar on how much you pay for the appraiser to look at the home.

This week's regional center spotlight: St. Paul

States handled:

  • Illinois
  • Iowa
  • Kansas
  • Minnesota
  • Missouri
  • Nebraska
  • North Dakota
  • South Dakota
  • Wisconsin

Loan Production
Phone: 1-800-827-0611 Ext. 3716
Fax: (215) 991-5043

Loan Administration
Phone: 1-800-827-0611 Ext. 3736
Fax: (612) 970-5495

Construction & Valuation
Phone: 1-800-827-0611 Ext. 5421
Fax: (612) 970-5499

Timeliness Requirements

State Origination Appraisals Liquidation Appraisals
All states except North Dakota 10 5
North Dakota LAPP/IND 20 15

Appraisal Fees

1. The maximum fee or fees chargeable by any Department of Veterans Affairs (VA) designated fee appraiser or compliance inspector for proper performance of appraisal or compliance inspection services within the States of Illinois, Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota, South Dakota and Wisconsin may not exceed the amount(s) listed in the schedule below. Regardless of the amount of the maximum fee, appraisers and inspectors must not charge veterans more than they charge other clients for similar services. This schedule is effective for all assignments made on or after September 6, 2012. The basic rate includes round trip travel within the appraiser's normal work area.

2. The current fee schedule is attached. This schedule has been revised to incorporate an additional fee for preparation of the Market Conditions Addendum, 1004MC, authorized under VA Circular 26- 09-11, July 7, 2009. No additional Market Condition Addendum fee should be added to this new schedule.

3. Travel Fees

The fee per mile for appraisal work in the St. Paul Regional Loan Center jurisdiction will be the fee established annually by the General Services Administration (GSA). The amount per mile can be found on the GSA website and we will also post it on the St. Paul website ( Mileage fees will only apply outside of the appraiser's home county for trips in excess of 75 miles roundtrip. The fee will only be charged on miles traveled beyond the base 75 miles roundtrip. In addition, no mileage fees will be allowed within the following metropolitan areas. Appraisers are not required to travel throughout a metropolitan area, but if they choose to work in more than one county in a metropolitan area, no mileage fees can be charged in those counties:

Kansas City Saint Louis Chicago Minneapolis/St. Paul Omaha
Johnson county, Kansas St. Louis country, Missouri Cook County, Illinois Hennepin Country, Moinnesota Douglas County, Nebraska
Leavenworth County, Kansas St. Charles County, Missouri Du Page County, Illinois Ramsey County, Minnesota Sarpy County, Nebraska
Wyandotte County, Kansas Jefferson County, Missouri Lake County, Illinois Anoka County, Minnesota  
Clay County, Missouri St. Clair County, Illinois   Washington County, Minnesota  
Jackson County, Missouri Madison County, Illinois   Dakota County, Minnesota  
Platte County, Missouri     Scott County, Minnesota  

Appraisal Fee Table

State Illinois Iowa Kansas Minnesota Missouri Nebraska North Dakota South Dakota Wisconsin
Single Family Residence $425 $425 $400 $400 $425 $425 $575 $450 $400
Multi Family Residence $550 $500 $550 $550 $550 $600 $675 $650 $550
Individual Condominium $425 $400 $400 $400 $400 $425 $575 $450 $400
Manufactured Homes $425 $425 $400 $400 $425 $425 $550 $450 $400
Repair Inspection $100 $100 $100 $100 $100 $100 $100 $100 $100
Committe Appraisals                  
Each basic plan type $425 $425 $400 $400 $425 $425 $575 $450 $400
Each lot $12 $12 $12 $12 $12 $12 $12 $12 $12
Each option $7 $7 $7 $7 $7 $7 $7 $7 $7
Partial Release of Security $425 $425 $400 $400 $425 $425 $550 $450 $400
Abreviated Report $50 $50 $50 $50 $50 $50 $50 $50 $50


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