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VA Home Loans

Circulars: Calendar Years 2021 to 2022

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2022

Circular 26-22-17 - November 25, 2022
Private Roads and Shared Driveways
PURPOSE: The purpose of this Circular is to announce changes to VA’s procedural requirements related to the acceptability of private roads and shared driveways for VA lending purposes.

Circular 26-21-20 Change 1 - September 15, 2022
Approving Forbearance Requests for Borrowers Affected by COVID-19
PURPOSE: The purpose of this Circular is to extend the rescission date to align with the end of the National Emergency Concerning the Novel Coronavirus Disease 2019 (COVID-19) Pandemic, including conforming changes to VA’s expectation as to the completion of forbearance periods.

Circular 26-22-16 - September 15, 2022Exhibit AExhibit B
Full File Loan Review (FFLR) Stacking Order Update
PURPOSE: To advise that starting December 1, 2022, lenders are to include the Uniform Loan Application Dataset (ULAD), and the Uniform Closing Dataset (UCD) when a loan is selected for Full File Loan Reviews (FFLR). VA is also updating the stacking order and list of loan origination documents to be provided by the lender when submitting the file to VA for audit purposes.

Circular 26-22-15 - September 9, 2022
Request for Reasonable Value Ordering Data Fields
PURPOSE: The purpose of this Circular is to inform the lending industry of updates to the WebLGY Request Single Property Appraisal user interface (UI) consistent with recent revisions to VA Form 26-1805.

Circular 26-21-17 Change 1 - August 10, 2022
COVID-19 Veterans Assistance Partial Claim Payment Program
PURPOSE: The purpose of this Circular is to extend the rescission date of the original Circular.

Circular 26-22-11 Change 1 - July 28, 2022
Pest Inspection Fees and Repair Costs
PURPOSE: The purpose of this Circular is to update the footnote for the Termite Infestation Probability map in section 2.

Circular 26-22-13 - July 28, 2022Exhibit AExhibit B
Procedures for Alternative Valuation Methods
PURPOSE: This Circular clarifies when an appraisal is required for VA-guaranteed loans and announces new procedures for alternative valuation methods.

Circular 26-22-12 - June 23, 2022
Certificate of Eligibility Funding Fee Status Update For Active-Duty Service Members With Pending Pre-Discharge Claims
PURPOSE: The purpose of this Circular is to announce an update to the funding fee status on Certificates of Eligibility (COE) where the lender has submitted VA Form 26-8937, Verification of VA Benefits, for an active-duty Service member who indicates they have a pre-discharge disability claim pending with VA.

Circular 26-22-11 - June 15, 2022
Pest Inspection Fees and Repair Costs
PURPOSE: Addresses the Department of Veterans Affairs policies regarding wood destroying pest inspection fees and repair costs.

Circular 26-22-10 - June 23, 2022
United States Space Force Certificate of Eligibility Update
PURPOSE: The purpose of this Circular is to announce Certificate of Eligibility (COE) enhancements to include the United States Space Force (USSF) as a branch of service.

Circular 26-22-9 - May 19, 2022

New Procedures for Loans where the Borrower Has a VA-appointed Fiduciary and for Loans Commonly Called “Joint Loans”
PURPOSE: This Circular announces new procedures for loan approval where the borrower has a VA-appointed fiduciary. It also announces new procedures for processing joint loans, both at the loan approval stage and when the lender reports the loan to VA for evidence of guaranty.

Circular 26-22-5 - April 7, 2022
Full File Loan Review (FFLR) Update to Include Optional ULAD and UCD
PURPOSE: The purpose of this circular is to inform lenders of VA system enhancements, and a new optional procedure in which lenders may upload the Uniform Closing Dataset (UCD) and Uniform Loan Application Dataset (ULAD) for loans selected for VA full file loan review (FFLR).

Circular 26-22-4 - March 29, 2022
VA Form 26-1805 Update
PURPOSE: The purpose of this Circular to advise the lending industry that VA Form 26-1805 has been updated.

Circular 26-20-10 Change 3 - March 22, 2022
Updated Lender Guidance for Borrowers Affected Financially by the COVID-19 National Emergency
PURPOSE: The purpose of this Circular is to extend the rescission date.

Circular 26-21-7 Change 2 - February 28, 2022
Loan Repayment Relief for Borrowers Affected by COVID-19
PURPOSE: The purpose of this Circular is to extend the rescission date of the original Circular.

Circular 26-22-2 - January 7, 2022
VA Form 26-0592 Update
PURPOSE: The purpose of this Circular to advise the lending industry that VA Form 26-0592 has been updated.

Circular 26-22-1 - January 3, 2022
Special Relief Following Colorado Wildfires and Straight-Line winds
PURPOSE: This Circular expresses concern about the Department of Veterans Affairs (VA) home loan borrowers affected by the Colorado Wildfires and Straight-Line Winds, and describes measures mortgagees may employ to provide relief.

2021

Circular 26-19-31 Change 1 - December 22, 2021
Assisted Appraisal Processing Program (AAPP)
PURPOSE: The purpose of this Circular is to extend the rescission date of Circular 26-19-31 to January 1, 2024.

Circular 26-21-27 - December 21, 2021
Property Inspection Requirements for COVID-19 Forbearance Cases
PURPOSE: In response to the COVID-19 national emergency, the Department of Veterans Affairs (VA) suspended certain property inspection requirements on June 8, 2020. The purpose of this Circular is to extend the suspension.

Circular 26-21-26 - December 17, 2021Exhibit A
Determination of the VA Funding Fee Percentage on Purchase Loans with Down Payments
PURPOSE: The purpose of this Circular is to clarify processes relating to the determination of the statutory funding fee.

Circular 26-21-25 - December 17, 2021
Federal Housing Finance Agency (FHFA) Announces 2022 Conforming Loan Limits
PURPOSE: This Circular annouces the November 30, 2021 Federal Housing Finance Agency (FHFA) maximum conforming loan limits (CLL), also known as Freddie Mac CLL, for 2022.

Circular 26-21-23 - December 14, 2021
Special Relief Following Kentucky Severe Storms, Straight-Line Winds, Flooding and Tornadoes
PURPOSE: This Circular expresses concern about the Department of Veterans Affairs (VA) home loan borrowers affected by the Kentucky Severe Storms, Straight-Line Winds, Flooding and Tornadoes, and describes measures mortgagees may employ to provide relief.

Circular 26-21-20 - September 29, 2021
Forbearance Timeframe Extension for Borrowers Affected by COVID-19
PURPOSE: VA is providing an update to the timeframe borrowers can request a COVID-related forbearance from their mortgage servicer. This guidance is necessary given the extended duration of the pandemic.

Circular 26-21-19 - September 29, 2021
Loan Deferment as a COVID-19 Home Retention Option
PURPOSE: The purpose of this Circular is to communicate that servicers may continue offering loan deferment as a COVID-19 home retention option, in accordance with VA’s COVID-19 Home Retention Waterfall.

Circular 26-21-17 - September 14, 2021Exhibit A
COVID-19 Veterans Assistance Partial Claim Payment Program
PURPOSE: This Circular provides technical information on how loan servicers can submit a request for a partial claim payment under the COVID-19 Veterans Assistance Partial Claim Payment program (COVID-VAPCP).

Circular 26-21-16 - September 8, 2021
Special Relief Following Hurricane Ida
PURPOSE: This Circular expresses concern about the Department of Veterans Affairs (VA) home loan borrowers affected by Hurricane Ida, and describes measures mortgagees may employ to provide relief. Mortgage servicers and borrowers alike should review VA’s Guidance on Natural Disasters to ensure Veterans receive the assistance they need.

Circular 26-21-15 - September 8, 2021
Modernizing the VA Funding Fee Payment and Loan Guaranty Certificate Process
PURPOSE: The purpose of this Circular is to notify the mortgage industry of the development of a new Loan Guaranty Service (LGY) application programming interface (API) known as the Guaranty Remittance API.

Circular 26-21-14 - July 30, 2021
Extended Eviction Relief for Borrowers Affected by COVID-19
PURPOSE: The purpose of this Circular is to extend eviction relief.

Circular 26-21-13 - July 23, 2021Exhibit AExhibit B
COVID-19 Home Retention Waterfall and COVID-19 Refund Modification
PURPOSE: This Circular provides VA’s waterfall of home retention options for helping borrowers affected financially by the COVID-19 pandemic. This Circular also announces the COVID-19 Refund Modification, a type of loan modification specific to those borrowers needing payment reductions when exiting COVID-19 forbearance.

Circular 26-21-11 - July 15, 2021
Updated Funding Fee Information for Lenders
PURPOSE: The purpose of this Circular is to clarify processes relating to the remittance of the statutory funding fee.

Circular 26-20-10 Change 2 - June 29, 2021
Updated Lender Guidance for Borrowers Affected Financially by the COVID-19 National Emergency
PURPOSE: VA is publishing this Circular to announce temporary measures for the review of borrower qualifications for a VA-guaranteed home loan when the borrower’s income and the lender’s processing of the home loan have been affected by the ongoing COVID-19 national emergency.

Circular 26-21-10 - June 25, 2021
Relief for Borrowers Affected by COVID-19
PURPOSE: The purpose of this Circular is to update servicers on how to assist borrowers who are affected by the COVID-19 national emergency. This Circular also announces updates regarding COVID-related forbearances and foreclosure and eviction moratoriums.

Circular 26-21-9 - June 4, 2021
Continued Use of VA Form 26-1802a (HUD/VA Addendum to URLA)
PURPOSE: The purpose of this Circular is to inform lenders that the Department of Veterans Affairs (VA) will continue to use VA Form 26-1802a, (Department of Housing and Urban Development (HUD)/VA Addendum to Uniform Residential Loan Application (URLA)).

Circular 26-21-7 Change 1 - June 3, 2021
Loan Repayment Relief for Borrowers Affected by COVID-19
PURPOSE: Through this Circular, VA is providing an updated summary of the home retention options and alternatives to foreclosure that servicers should utilize to help borrowers affected by the pandemic.

Circular 26-21-8 - April 15, 2021
Expanded Home Loan Eligibility Based on Certain National Guard Service
PURPOSE: The purpose of this Circular is to announce expanded eligibility for VA home loan benefits for certain members of the National Guard and to provide guidance on the process for obtaining a Certificate of Eligibility (COE).

Circular 26-21-7 - March 26, 2021
Loan Repayment Relief for Borrowers Affected by COVID-19
PURPOSE: Through this Circular, VA is providing an updated summary of the home retention options and alternatives to foreclosure that servicers should utilize to help borrowers affected by the pandemic. This guidance is necessary given the extended duration of the pandemic, recent Presidential actions, and developments in VA’s program.

Circular 26-21-5 - February 16, 2021
Extended Foreclosure and Eviction Relief for Borrowers Affected by COVID-19
PURPOSE: The purpose of this Circular is to extend foreclosure and eviction relief on properties secured by VA-guaranteed loans, including those previously secured by VA-guaranteed loans but currently in VA’s Real Estate Owned (REO) portfolio.

Circular 26-21-4 - February 16, 2021
Approving Forbearance Requests for Veterans Affected by COVID-19
PURPOSE: This Circular provides guidance for granting COVID-19 forbearance to Veterans who continue experiencing financial hardships, directly or indirectly, because of the pandemic.

Circular 26-21-3 - February 12, 2021
Certificate of Eligibility Enhancements to Streamline Income Verification
PURPOSE: The purpose of this Circular is to announce enhancements to the Certificate of Eligibility (COE) for VA’s home loan guaranty program. These enhancements will enable lenders to expedite the loan origination process for certain Veterans who utilize their VA guaranteed loan benefits.

Circular 26-21-2 - January 29, 2021
Extended Foreclosure and Eviction Relief for Borrowers Affected by COVID-19
PURPOSE: The purpose of this Circular is to extend foreclosure and eviction relief on properties secured by VA-guaranteed loans, including those previously secured by VA-guaranteed loans but currently in VA’s Real Estate Owned (REO) portfolio, through March 31, 2021.

Circular 26-21-1 - January 8, 2021
Federal Housing Finance Agency (FHFA) Announces 2021 Conforming Loan Limits
BACKGROUND: On November 24, 2020, the Federal Housing Finance Agency (FHFA) announced the maximum conforming loan limits (CLL), also known as Freddie Mac CLL, for 2021. In VA’s program, the CLL can impact the entitlement calculation for some Veterans.

 

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