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VA Home Loans

Circulars: Calendar Year 2019

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Circular 26-19-25 - Change 1 - October 11, 2019 -
Transition from Veterans Information Portal (VIP) to LGY Hub
PURPOSE: This purpose of this circular is to provide additional guidance and information regarding the Department of Veterans Affairs (VA), Loan Guaranty Service (LGY) migration from the Veterans Information Portal (VIP) to the LGY Hub.

Circular 26-19-27 - October 8, 2019 -
Special Relief Following Hurricane Dorian
PURPOSE: This circular expresses concern about the Department of Veterans Affairs (VA) home loan borrowers affected by Hurricane Dorian, and describes measures mortgagees may employ to provide relief.

Circular 26-19-24 - Change 2 - September 25, 2019 -
Servicer Loss Mitigation Letters on Delinquent Loans
PURPOSE: This circular provides guidance and instructions to mortgage loan servicers concerning servicer collection letters on Department of Veterans Affairs (VA) guaranteed home loans to delinquent borrowers in accordance with Title 38, Code of Federal Regulations (CFR) 36.4350.

Circular 26-19-25 - September 19, 2019 -
Transition from Veterans Information Portal (VIP) to LGY Hub
PURPOSE: This purpose of this circular is to provide additional guidance and information regarding the Department of Veterans Affairs (VA), Loan Guaranty Service (LGY) migration from the Veterans Information Portal (VIP) to the LGY Hub.

Circular 26-19-24 - Change 1 - September 9, 2019 -
Servicer Loss Mitigation Letters on Delinquent Loans
PURPOSE: This circular provides guidance and instructions to mortgage loan servicers concerning servicer collection letters on Department of Veterans Affairs (VA) guaranteed home loans to delinquent borrowers in accordance with Title 38, Code of Federal Regulations (CFR) 36.4350.

Circular 26-19-24 - August 19, 2019 -
Servicer Loss Mitigation Letters on Delinquent Loans
PURPOSE: This circular provides guidance and instructions to mortgage loan servicers concerning servicer collection letters on Department of Veterans Affairs (VA) guaranteed home loans to delinquent borrowers in accordance with Title 38, Code of Federal Regulations (CFR) 36.4350.

Circular 26-19-23 - August 9, 2019 -
Blue Water Navy Vietnam Veterans Act of 2019
PURPOSE: The purpose of this circular is to provide interim guidance concerning the U.S. Department of Veterans Affairs (VA) implementation of The Blue Water Navy Vietnam Veterans Act of 2019 (the Act).

Circular 26-19-22 - August 8, 2019 - Exhibit A | Exhibit B | Exhibit C
Clarification and Updates to Policy Guidance for VA Interest Rate Reduction Refinance Loans (IRRRLs)
PURPOSE: The purpose of this circular is to consolidate and clarify guidance regarding how section 309 of Public Law 115-174, the Economic Growth, Regulatory Relief, and Consumer Protection Act (the Act), affects IRRRLs..

Circular 26-19-21 - July 30, 2019 -
Special Relief Following Hurricane Barry
PURPOSE: This circular expresses concern about the Department of Veterans Affairs (VA) home loan borrowers affected by Hurricane Barry on the Gulf Coast, and describes measures mortgagees may employ to provide relief.

Circular 26-19-20 - July 30, 2019 -
Loan Guaranty Service - Customer Service Protocol
PURPOSE: Loan Guaranty Service is committed to providing the highest level of customer service to all Veterans as well as their lenders and servicers.

Circular 26-19-19 - July 29, 2019 -
VA Loan Full File Loan Review - File Upload Stacking Order
PURPOSE: The purpose of this circular is to announce The Department of Veterans Affairs new mandatory stacking order for files selected for VA full file loan review of all loan applications submitted to VA on, or after July 29, 2019.

Circular 26-19-17 - June 28, 2019 -
Funding Fee Guidance to Lenders and Servicers
PURPOSE: This circular supplements the Department of Veterans Affairs (VA) Lenders Handbook, Chapter 8, Topic 8, The VA Funding Fee, and updates Chapter 6, Refinancing, concerning Interest Rate Reduction Refinancing Loans (IRRRLs).

Circular 26-15-12 - Change 2 - June 20, 2019 -
Renewal of Appraisal Review Requirements and Instructions Regarding Department of Veterans Affairs Appraisal Management Service for the Lender Appraisal Processing Program and the Servicer Appraisal Processing Program Staff Appraisal Reviewers
PURPOSE: The purpose of this circular is to extend the rescission date of the basic circular so that stations continue to provide guidance on the VA's position as it relates to these procedures.

Circular 26-19-16 - June 20, 2019 -
Special Relief Following Severe Storms and Flooding in Arkansas
PURPOSE: This circular expresses concern about the Department of Veterans Affairs (VA) home loan borrowers affected by the severe storms and flooding in Arkansas and describes measures mortgagees may employ to provide relief.

Circular 26-19-15 - June 18, 2019 -
Special Relief Following Severe Storms, Straight-line Winds, Tornadoes, and Flooding in Oklahoma
PURPOSE: This circular expresses concern about the Department of Veterans Affairs (VA) home loan borrowers affected by the severe storms, straight-line winds, tornadoes, and flooding in Oklahoma and describes measures mortgagees may employ to provide relief.

Circular 26-19-14 - June 18, 2019 -
Special Relief Following Severe Storms and Tornadoes in Louisiana
PURPOSE: This circular expresses concern about the Department of Veterans Affairs (VA) home loan borrowers affected by the severe storms and tornadoes in Louisiana and describes measures mortgagees may employ to provide relief.

Circular 26-19-13 - June 11, 2019 -
Updated Prior Approval Loan Procedure
PURPOSE: The purpose of this Circular updates Chapter 5, Topic 4, subsection a, and Chapter 7, Topic 1, subsection f, of the VA Lenders Handbook, VA Pamphlet 26-7, Revised.

Circular 26-19-12 - May 16, 2019 -
Requesting Appraisals without the Certificate of Eligibility (COE) Determination
PURPOSE: The purpose of this Circular is to announce the Department of Veterans Affairs (VA) no longer will allow appraisals to be requested through WebLGY prior to ordering a COE..

Circular 26-19-11 - April 8, 2019 -
Special Relief Following Floods in Nebraska
PURPOSE: This circular expresses concern about the Department of Veterans Affairs (VA) home loan borrowers affected by floods in Nebraska, and describes measures mortgagees may employ to provide relief..

Circular 26-19-10 - March 29, 2019 -
Special Relief Following Iowa Severe Storms and Flooding
PURPOSE: This circular expresses concern about the Department of Veterans Affairs (VA) home loan borrowers affected by severe storms and flooding in Iowa, and describes measures mortgagees may employ to provide relief..

Circular 26-19-9 - March 15, 2019 -
Handling Unreimbursed Business Expenses and Commission Income
PURPOSE: The purpose of this circular is to revise the Department of Veterans Affairs (VA) underwriting guidelines [VA Lenders Handbook, Chapter 4, Topic 2 i - "Income from Commissions"] to remove the requirements for Internal Revenue Service (IRS) Form 2106 with the exception of Armed Forces Reservist, qualified performing artists, fee-basis state or local officials, and employees with impairment-related work expenses..

Circular 26-19-8 - March 1, 2019 -
Special Relief Following Alaska Earthquakes
PURPOSE: This circular expresses concern about the Department of Veterans Affairs (VA) home loan borrowers affected by the Alaska earthquakes, and describes measures mortgagees may employ to provide relief..

Circular 26-19-7 - March 8, 2019 -
Special Relief Following Alabama Severe Storms, Straight-line Winds and Tornadoes
PURPOSE: This circular expresses concern about the Department of Veterans Affairs (VA) home loan borrowers affected by sever storms, straight-line winds and tornadoes in the state of Alabama, and describes measures mortgagees may employ to provide relief..

Circular 26-19-5 - Change 1 - February 15, 2019 -
VA-Guaranteed Cash-Out Refinancing Home Loans (AQ42)
PURPOSE: The purpose of this circular is to make a change to page 4, section d, subsection (3), of Circular 26-19-5.

Circular 26-19-5 - February 14, 2019 - Exhibit A
VA-Guaranteed Cash-Out Refinancing Home Loans (AQ42)
PURPOSE: This circular clarifies the Department of Veterans Affairs (VA) new policies regarding VA-guaranteed cash-out refinancing loans, including refinancing of construction loans (construction-to-perm).

Circular 26-18-21 - Change 1 - January 18, 2019 -
Procedures to Implement PL 115-177 (Housing Adaptations Under Chapter 31 Entitlement)
PURPOSE: The purpose of this circular is to clarify the process of requesting Minimum Property Requirements (MPRs) and to correct the VA Form number required.

Circular 26-19-2 - January 8, 2019 -
VA Loan Origination Guidance During a Federal Government Shutdown
PURPOSE: This circular provides guidance for Department of Veterans Affairs (VA) home loan borrowers affected by the Federal Government shutdown, and describes measures regarding loan origination.

Circular 26-19-1 - January 8, 2019 -
Special Relief Following the Federal Government Shutdown
PURPOSE: This circular expresses concern about Department of Veterans Affairs (VA) home loan borrowers affected by the Federal Government shutdown, and describes measures mortgagees may employ to provide relief.

Circular 26-17-39 - Change 2 - January 4, 2019 -
Updated Disaster Modification Guidance
PURPOSE: The purpose of this circular is to extend the rescission date of the original circular.

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