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Home Loans

Circulars: 2016

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Circular 26-16-27 - September 27, 2016 -
Annual Increase in Construction Cost Index and Specially Adapted Housing (SAH), Special Housing Adaptations (SHA), and Temporary Residence Adaptations (TRA) Grants
PURPOSE: Effective October 1, 2016, the Department of Veterans Affairs (VA) announces that the SAH, SHA, and TRA grant amounts will increase.

Circular 26-16-24 - September 9, 2016 -
Title Requirements for Manufactured or Mobile Home Conveyance
PURPOSE: This circular provides clarification of the documents required to properly provide clear and marketable title for mobile homes conveyed to the Department of Veterans Affairs (VA) per 38 C.F.R. 4300 in every state and territory in the United States.

Circular 26-16-23 - August 17, 2016 -
Special Relief Following Louisiana Severe Storms and Flooding
PURPOSE: This circular expresses concern about Department of Veterans Affairs (VA) home loan borrowers affected by severe storms and flooding in the State of Louisiana, and describes measures mortgagees may employ to provide relief.

Circular 26-16-22 - August 1, 2016 -
Special Relief Following a Natural Disaster
PURPOSE: This circular expresses concern about Department of Veterans Affairs (VA) home loan borrowers affected by a natural disaster, such as the California wildfires or Federally-declared natural disasters, and describes measures mortgagees may employ to provide relief.

Circular 26-16-21 - July 26, 2016 -
Funding Fee Clarification
PURPOSE: The purpose of this circular is to provide industry requested clarification of funding fee percentages detailed in Public Law 113-146, Veterans Access, Choice, and Accountability Act of 2014.

Circular 26-16-18 - July 19, 2016 -
Property Assessed Clean Energy (PACE) Loan Processing
PURPOSE: The purpose of this circular is to address origination and loan processing requirements for Department of Veterans Affairs (VA) guaranteed loans when a property is subject to PACE obligations.

Circular 26-15-16 - Change 1 - July 14, 2016 -
Auction Service for the Termination of VA Loans
PURPOSE: The purpose of this circular is to extend the rescission date of the basic circular to reflect that the Department of Veterans Affairs (VA) continues to authorize mortgage servicers and holders to employ an auction service in lieu of completing a traditional foreclosure sale, where feasible.

Circular 26-16-17 - June 28, 2016 -
Special Relief Following West Virginia Severe Storms, Flooding, Landslides and Mudslides
PURPOSE: This circular expresses concern about Department of Veterans Affairs (VA) home loan borrowers affected by severe storms, flooding, landslides and mudslides in the State of West Virginia, and describes measures mortgagees may employ to provide relief.

Circular 26-14-36 - Change 1 - June 28, 2016 -
Credit Report and Automated Underwriting System (AUS) Fee Policy
PURPOSE: The purpose of this Circular is to clarify credit report invoice requirements, update a form's title, and extend the rescission date of the basic circular so that stations continue to provide guidance on VA's position as it relates to these procedures.

Circular 26-12-5-Change 2 - June 6, 2016 -
New VA Property Management and Servicing Contractor
PURPOSE: The purpose of this Circular is to revise the servicing contractor information from Residential Credit Solutions (RCS) to Ditech Financial LLC and to update the Contract Assurance (Portfolio Loan) contact information.

Circular 26-16-14 - May 17, 2016 - Exhibit A
Title Requirements for Conveyance of Real Property
PURPOSE: This circular provides clarification of the documents required to properly provide clear and marketable title for conveyed properties to the Department of Veterans Affairs (VA) in every state and territory in the United States.

Circular 26-14-11 - Change 1 - May 13, 2016
Appraisal Management System and Required Mortgage Industry Standards Maintenance Organization XML Appraisal Format
PURPOSE: The purpose of this circular is to extend the rescission date of the basic circular so that stations continue to provide guidance on VA's position as it relates to these procedures.

Circular 26-16-13 - May 3, 2016
Special Relief Following Louisiana and Texas Severe Storms and Flooding
PURPOSE: This circular expresses concern about Department of Veterans Affairs (VA) home loan borrowers affected by severe storms and flooding in the States of Louisiana and Texas, and describes measures mortgagees may employ to provide relief.

Circular 26-16-12 - April 11, 2016
VA Loan Full File Loan Review - File Upload Stacking Order
PURPOSE: The purpose of this circular is to announce 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, June 1, 2016.

Circular 26-16-11 - April 11, 2016 - Exhibit A | Exhibit B
Policy Clarification for TILA-RESPA Integrated Disclosure Fee Itemization Requirements and Regarding Loan Expenses Not Expressly Permitted by 38 CFR 36.4313
PURPOSE: This Circular explains the Department of Veterans Affairs’ (VA) requirements regarding the Consumer Financial Protection Bureau (CFPB)’s new Truth in Lending Act - Real Estate Settlement Procedures Act Integrated Disclosure Closing Disclosure document.

Circular 26-16-10 - April 7, 2016
Policy Clarification for Unreimbursed Employee Business Expenses
PURPOSE: The purpose of this circular is to clarify the Department of Veterans Affairs (VA) underwriting guidelines with regard to unreimbursed employee business expenses reported on Internal Revenue Service (IRS) Form 2106.

Circular 26-15-18 - Change 1 - March 29, 2016
Paid in Full Notification of Loans Guaranteed for Repurchase Under the Provisions of 38 CFR 36.4600 (VA Regulation 4600 Loans)
PURPOSE: The purpose of this circular is to revise the point of contact information for questions.

Circular 26-16-8 March 8, 2016
VA Update on Flint, Michigan Water Contamination
PURPOSE: This Circular provides guidance on the Department of Veterans Affairs’ (VA) Minimum Property Requirements (MPRs) as a result of the emergency declaration in Genesee County, Michigan due to water contamination.

Circular 26-16-6 - March 1, 2016
Special Relief Following State of Michigan Contaminated Water
PURPOSE: This circular expresses concern about the Department of Veterans Affairs (VA) home loan borrowers affected by contaminated water in the State of Michigan, and describes measures mortgagees may employ to provide relief.

Circular 26-16-3 - January 20, 2016 - Exhibit A
Department of Veterans Affairs Qualified Mortgage Interim Final Rule Frequently Asked Questions
PURPOSE: The purpose of this Circular is to publish Frequently Asked Questions (FAQs) related to the Qualified Mortgage Interim Final Rule.

Circular 26-16-1 - January 14, 2016
Policy Clarification for Non-Borrowers on Title Documents
PURPOSE: The purpose of this circular is to clarify questions that have arisen regarding the Department of Veterans Affairs (VA) policy on the use of the VA home loan guaranty.

Circular 26-14-4 - Change 1 - January 8, 2016
Clarification of the Department of Veterans Affairs (VA) Acceptance of Water Catchment Systems on the State of Hawaii
PURPOSE: The purpose of this circular is to extend the rescission date of the basic circular so that stations continue to provide guidance on VA's position as it relates to these procedures.

Circular 26-14-8 - Change 1 - January 1, 2016
Repair Inspection Processing Procedures
PURPOSE: The purpose of this change is to extend the rescission date.

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