If you are selling in a declining market and are looking on how the Veterans Administration will be determining if they will lend on a VA loan, they have issued some guidance on what criteria they are using to value a loan.
Appraisal Scoop found this PDF file on the guidelines and has a great recap on their site.
While this may seem esoteric it also is a good primer on how to deal with appraisers and lenders in a declining market for the average real estate agent.
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