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Home Loans

Circulars: 2014

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Circular 26-14-9 - March 27, 2014
VA Loan Full File Loan Review - File Upload Stacking Order
PURPOSE: This Circular announces the Department of Veterans Affairs (VA) new mandatory stacking order for files selected for VA full file loan review, effective May 1, 2014.

Circular 26-14-8 - March 24, 2014
Repair Inspection Processing Procedures
PURPOSE: The purpose of this Circular is to announce that effectively immediately, in lieu of using their own appraiser letterhead, Department of Veterans Affairs (VA) Fee Appraisers may now use Freddie Mac Form 442 or Fannie Mae Form 1004D, Part B, Certification of Completion, to certify satisfactory completion of the required repairs identified on Notices of Value (NOVs).

Circular 26-14-6 - February 28, 2014
Revised 2014 VA Effective Loan Limits 
PURPOSE: This Circular announces the Department of Veterans Affairs (VA) revised effective loan limits for loans closed on or after the date of this Circular.

Circular 26-14-5 - February 25, 2014
VA Appraisal Requirements on Foreclosed Properties
PURPOSE: This Circular reaffirms Department of Veterans Affairs (VA) policy that all properties, including foreclosed properties, must meet VA minimum property requirements (MPRs) prior to VA loan guaranty. Additionally, this Circular clarifies our current VA requirements on who may pay for repairs on foreclosed properties.

Circular 26-14-4 - February 19, 2014
Clarification of the Department of Veterans Affairs (VA) Acceptance of Water Catchment Systems in the State of Hawaii
PURPOSE: The purpose of this Circular is to provide clarification of VA policy for individual properties with rainwater catchment systems that serve as collateral for a VA home loan in the State of Hawaii.

Circular 26-14-3 - February 6, 2014
Contract Assurance Unit Mailing Address
PURPOSE: The purpose of this Circular is to provide the mailing address for the recently formed Contract Assurance Unit.

Circular 26-14-1 - January 9, 2014
Lender Compliance with Consumer Financial Protection Bureau Requirements for Ability to Repay and Qualified Mortgage Rule
PURPOSE: This Circular clarifies lender requirements for home loans guaranteed by the Department of Veterans Affairs (VA) under the Truth in Lending Act (TILA) and the Consumer Financial Protection Bureau (CFPB)’s Ability to Repay and Qualified Mortgage (ATR/QM) Rule.

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