ࡱ> z}wxy kObjbjWW E55EsPP$$$$$%%%8F%%$%'(6':p'p'p'000$~0@$0/"000$$p'p'(85550$8p'$p'5055ş$p'B-0.S6`<Np0plp$0050000050000000p000000000P p#: Chapter 3. Pre-Grant Approval: Feasibility and Suitability Overview In this ChapterThis chapter contains the following topics: TopicTopic Name See Page1General Information about Feasibility and Suitability3-22Medical Feasibility3-43Financial Feasibility3-54Property Suitability3-95Determinations of Non-Feasibility3-12 General Information about Feasibility and Suitability Change DateFebruary 12, 2014, Change 1 This entire section has been updated. a. Statutory RequirementTitle 38, United States Code, Chapter 21 requires that it is medically feasible for the Veteran to reside in the proposed housing unit and in the proposed locality (Medical Feasibility), that the proposed housing unit bears a proper relation to the Veterans present and anticipated income and expenses (Financial Feasibility), and that the nature and condition of the proposed housing unit are such as to be suitable to the Veterans needs for dwelling purposes (Property Suitability). This chapter addresses the process of determining medical feasibility, financial feasibility, and property suitability. b. DefinitionA feasibility study is the objective process of determining whether the statutory requirements of feasibility and suitability have been met. c. Who Can PerformThe feasibility study must be completed by: the assigned Specially Adapted Housing (SAH) Agent; Regional Loan Center (RLC) management staff; or any other qualified Department of Veterans Affairs (VA) SAH or Construction and Valuation (C&V) personnel, as determined by the Valuation Officer (VO).Continued on next page 1. General Information about Feasibility and Suitability, Continued d. TimelinessBecause the feasibility study helps to determine the scope of the entire project, it is preferable that the SAH Agent complete the components of the feasibility study concurrently with the initial interview (or as soon as possible thereafter). However, the SAH Agent must complete the lot/housing unit inspection within 30-business days of the initial interview, or clearly document the case notes if an inspection is not applicable. The SAH Agent must determine financial feasibility and include the findings in the feasibility study report (on VA Form 26-1858a, b, or c, as applicable) that must be completed and uploaded within 10-business days from the date of the lot/housing unit inspection. In the event that financial concerns are raised, early detection and discussion will allow all parties to address issues with minimal delay to the SAH/ Special Home Adaptation (SHA) grant process. If the SAH Agent experiences delay in the Veteran providing financial information, or if other extenuating circumstances exist which prevent the 10- business day requirement from being met, the SAH Agent must clearly document the case notes in the system. Again, all components of the feasibility study (medical feasibility, financial feasibility, and property suitability) must be completed and uploaded in the system within 10-business days of completing the lot/housing unit inspection. The SAH Agent must also communicate the results of the feasibility study to the Veteran in a follow-up letter or e-mail within 10-business days of uploading the feasibility study. Medical Feasibility Change DateFebruary 12, 2014, Change 1 This entire section has been updated. a. Medical Feasibility RequirementIt must be medically feasible for the Veteran to reside outside of an institutional setting and in the proposed housing unit. b. Reviewing the Rating DecisionIt is important that the SAH Agent use the rating decision to review the Veterans conditions/disabilities prior to the feasibility study. This will enable the Agent to prepare questions designed to assess the Veterans needs more effectively. c. Determining FeasibilityIf a Veteran is currently successfully living full-time in a housing unit and outside of an institutional setting, medical feasibility may generally be assumed, but should be documented as such in case notes. If the SAH Agent has concerns about medical feasibility after observing and assessing the Veteran in his or her home, the Agent should consult with RLC management and/or Central Office to determine how best to proceed. If a Veteran is currently living full-time in an institutional setting, the SAH Agent must obtain a letter from the Veterans physician indicating that it is/will be medically feasible for the Veteran to reside outside of an institutional setting and in his or her proposed housing unit after adaptations have been made. If the Veteran cannot live in the housing unit, either alone or with a caregiver, then the medical feasibility requirements have not been met and the grant cannot proceed.  3. Financial Feasibility Change DateFebruary 12, 2014, Change 1 This entire section has been updated. a. Financial Feasibility RequirementIt must be determined that the cost of the proposed housing unit bears a proper relation to the individuals present and anticipated income and expenses. b. Important InformationIt is important to note that financial feasibility which is required by law is more than merely a review of a Veterans credit report. The SAH Agent must certify that the cost of the proposed housing unit (which includes the terms of payment required on the mortgage, plus other expenses incident to the ownership of the housing unit) bears a proper relation to the Veterans present and anticipated income and expenses. Often the SAH Agent may not possess the underwriting expertise to make this important determination which is necessary to establish that the Veteran has met the financial feasibility requirement. The Loan Production (LP) section of each RLC has subject matter experts who are available to assist in difficult or complex cases. c. Required Documents for All 2101(a) GrantsThe following documents are required to perform the initial financial analysis for all SAH cases: Veterans signed authorization allowing VA to pull a credit report Credit report  HYPERLINK "http://vbaw.vba.va.gov/bl/20/cio/20s5/forms/VBA-26-4555c-ARE.pdf" VA Form 26-4555c, Veterans Supplemental Application for Assistance in Acquiring Specially Adapted Housing  HYPERLINK "http://vbaw.vba.va.gov/bl/20/cio/20s5/forms/VBA-26-6807-ARE.pdf" VA Form 26-6807, Financial Statement (see paragraph g in this section for exceptions)Continued on next page 3. Financial Feasibility, Continued d. More Information About Credit ReportsIn every case, the Veteran must sign a release allowing VA to obtain a credit report. The release can be locally created, but must explicitly state the Veteran is authorizing VA to perform a credit inquiry on their behalf. The credit report should be recent (e.g., obtained within 12 months of the date of financial feasibility determination) and should be ordered from one of the three main credit reporting agencies (Equifax, Experian, or TransUnion). It does not have to contain a credit score, but it should contain the following information: Veterans personal information full name, Social Security number, date of birth, address, public records, collections, recent inquiries, and tradelines a list of all creditors. When reviewing the credit report, the SAH Agent should review any public records and look out for a significant history of derogatory items that indicate the Veteran may be overextended. However, the mere existence of derogatory items on a credit report is insufficient to determine that the Veteran is non-feasible for financial purposes. For new construction cases, if the Veteran is obtaining financing and can provide a pre-qualification or commitment letter from the lender, then a credit report is unnecessary. VA will make every effort to process the SAH grant quickly and eliminate the need for multiple credit reports. However, the SAH Agent should inform the Veteran of the possibility that subsequent reports may need to be obtained, particularly in the event of questionable or derogatory items that need further explanation. Continued on next page 3. Financial Feasibility, Continued e. When to Get Additional DocumentationAdditional information and documentation will be required only in the following circumstances: Bankruptcy if the Veteran is in active bankruptcy, the SAH Agent must obtain detailed information regarding the payment plan(s) from the bankruptcy trustee. Liens/judgments if the Veteran has unresolved/unpaid liens or judgments on his or her credit report, he/she must provide evidence of any payment arrangement(s). The SAH Agent should also contact Regional Counsel to determine if a lien/judgment may present an issue in terms of title/ownership. Mortgage delinquency if the Veterans credit report shows that he/she has been delinquent more than once on his or her mortgage payment. Note: If a Veteran has a history of medical collections and has several delinquent credit card payments, but their mortgage history has no late payments or derogatory items, the SAH Agent must obtain a statement from the Veteran explaining the derogatory items. If the statement indicates valid extenuating circumstances for the derogatory items, the RLC can determine the Veteran financially feasible to receive the SAH grant. If the credit report indicates only isolated instances of derogatory items, the Veteran does not need to provide an explanatory statement. f. More Information About VA Form 26-4555cVA Form 26-4555c is not an application for benefits; rather, it is used to obtain and certify supplemental information necessary to achieve both conditional and final approval of an SAH grant. For the purposes of financial feasibility and conditional approval, the Veteran must fill out all applicable sections of the VA Form 26-4555c. If there are sections that do not apply to the Veteran, he or she should enter N/A in the corresponding field; for example, if the Veteran does not have a mortgage on the property, then Section II, Items 1 through 7, would not be applicable. Once the Veteran has completed the VA Form 26-4555c, he or she must sign and date it. The SAH Agent must complete Section II, Item 9, which is a certification that the cost of the proposed housing unit bears a proper relation to the individuals present and anticipated income and expenses. The SAH Agent must initial next to this item once it is checked. Continued on next page 3. Financial Feasibility, Continued g. Additional Documentation NecessaryIf the SAH Agent can certify, based on the credit report and the VA Form 26-4555c, that the cost of the proposed housing unit bears a proper relation to the individuals present and anticipated income and expenses, then the financial analysis is complete and no additional documentation is necessary. If the information presented on the credit report and VA Form 26-4555c is inconclusive, the SAH Agent must gather additional documentation, starting with the VA Form 26-6807. The additional documentation required will depend upon the nature of each individual Veterans financial situation. The LP Section at the RLC is an excellent source if there are questions about the documentation necessary to resolve a financial issue. 4. Property Suitability Change DateFebruary 12, 2014, Change 1 This entire section has been updated. a. Property Suitability RequirementIt must be determined that nature and condition of the proposed housing unit are such as to be suitable to the Veterans needs for dwelling purposes.  b. Vacant Lot Inspections An SAH vacant lot inspection is conducted to determine the suitability of a site for building a new housing unit. The following should be considered and discussed with the Veteran and builder when completing the inspection: The size of the site must be large enough to accommodate the proposed housing unit and/or improvements. The slope of the site should be gentle enough to accommodate driveways, walkways, and ramps with a slope of 8 percent or less. In some cases, the topography will inhibit the use of ramps as a form of ingress/egress and elevators or vertical platform lifts will be required. Determine if the existing, or proposed, improvements are located in a Federal Emergency Management Area (FEMA) Flood Hazard Area. If so, the Veteran must provide evidence that a flood insurance policy has been purchased or can be obtained prior to final grant approval, per 38 CFR 36.4405(b)(4). Determine if there is a Homeowners Association (HOA), and encourage the Veteran to obtain any documents necessary to ensure the proposed adaptations are not prohibited by the covenants, conditions, and restrictions. It should be noted that restrictions prohibiting adaptations for accessibility are not enforceable under Federal Statute (The Fair Housing Act of 1988). However, while adaptations for accessibility cannot be prohibited, it is important to note any aesthetic restrictions and/or functional limitations that may exist. Observe and report to the Veteran the areas amenities to ensure adequacy of emergency services (police, fire, etc.), medical facilities, public transportation, and other services. With the exception of the flood insurance provision found in SAH regulations, the above are suggestions for discussion points and may not be applicable in all cases.Continued on next page 4. Property Suitability, Continued c. Existing Housing Unit InspectionAn existing housing unit is inspected to verify that all SAH minimum property requirements (MPRs) are present or can be feasibly constructed/installed, including additions. It is imperative that the Veterans future needs and abilities also be considered. Some thought should be given as to how the home will accommodate the Veteran if his or her condition deteriorates. The existing home inspection must be uploaded into the system and must indicate which components of the SAH MPRs are not present in the following areas: Points of ingress/egress, Veterans bathroom, and Veterans bedroom/sleeping area When conducting an inspection of an existing housing unit, be aware of the needs of the Veteran as well as the needs of family members and caregivers. SAH Agents should discuss the design concept of Universal Design (adapting housing units that provide the same level of accessibility for users whether disabled or not) where applicable. d. Components and Reporting Requirements Property suitability should be reported on VA Form 26-1858a, b, or c, as applicable. Other required components include: Digital photographs that accurately depict the housing unit and/or home site. This should include color photographs of the following, as applicable: existing home site or proposed building site; significant changes in topography and elevations; driveway and walkways; garage and/or carport; accessory buildings; all sides of the exterior of the housing unit; porches and/or patios; all ingress/egress points including thresholds; obstacles to interior maneuverability; kitchen; hallways; Continued on next page 4. Property Suitability, Continued d. Components and Reporting Requirements, Continuedden, living, and family rooms; dining room; bedrooms; bathrooms; and all other areas the Veteran intends to access. Existing floor plan or sketch: If an existing floor plan is not available, a sketch must be provided. It may be hand drawn (scale not required), but care should be taken to accurately depict the floor plan and any existing adapted features. The sketch should include the following, as applicable: exterior structural dimensions; width of doorways, hallways, and cased openings; width of walkways; slope and dimensions of existing ramps; garage dimensions; changes in finished floor elevations; and dimensions of any previously adapted features. Note: The SAH Agent may substitute an existing floor plan (from a builder, tax records, appraisal, etc.) for the sketch if it is available and accurate. The SAH Agent may also use an existing floor plan as the foundation for a more thorough sketch, adding details as necessary, to save time. Exception: It is not necessary to photograph or sketch areas the Veteran does not intend to access, such as basements, accessory buildings, and living areas above the first floor. However, since the proposed adaptations often change throughout the planning process, having photos and sketches of all areas of the housing unit may eliminate the necessity for a follow-up visit to the property.  5. Determinations of Non-Feasibility Change DateFebruary 12, 2014, Change 1 This entire section has been updated. a. Determining Non-FeasibilityA non-feasible finding is issued when a Veterans proposed home site or existing home cannot be adapted to satisfy the conditions required for medical feasibility or suitability, or when it is determined that it is not medically feasible for the Veteran to live outside of an institutional setting. b. Communicating Non-FeasibilityIf the SAH Agent determines that the Veterans proposed home site or existing home is not feasible to adapt, or if it is not medically feasible for the Veteran to live outside of an institutional setting, the non-feasible finding must then be reviewed by the Valuation Officer (VO) and Assistant Loan Guaranty Officer/Loan Guaranty Officer (ALGO/LGO). Only after VO and ALGO/LGO concurrence, may the Veteran be advised of the non-feasible finding. The Veteran must be informed of the non-feasible finding by notification letter and, possible alternatives must be presented. The SAH Agent may discuss the non-feasible finding with the Veteran by e-mail or telephone, but the decision and appeal rights must also be communicated in writing.     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