VA Home Loans

Circulars: Calendar Years 2021 to Present

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2025

Circular 26-25-4 - Jun 17, 2025
Loan Guaranty Service Compliance with Current Executive Orders
PURPOSE: The purpose of this Circular is to provide information regarding compliance with all Presidential Executive Orders as it pertains to Manual and Circular changes or the collection of forms. (Valid until rescinded)

Circular 26-25-3 - Apr 24, 2025 | Exhibit A
Update to “No Cash, No Check” Policy for Bills of Collection on Reconveyances
PURPOSE: The purpose of this Circular is to announce an important update regarding the “No Cash, No Check” Policy for Bills of Collection on Reconveyances. This update is part of our ongoing effort to streamline processes, enhance security, and improve the overall efficiency of payment processing, as detailed in the original Circular 26-24-6. (Valid until rescinded)

Circular 26-25-2 - Apr 23, 2025
Veterans Affairs Servicing Purchase (VASP) Program Wind Down
PURPOSE: The Department of Veterans Affairs (VA) implemented the VASP program on May 31, 2024. VASP was designed to be the final option in the VA Home Retention Waterfall, published as Appendix F to VA Servicer Handbook M26-4, to assist borrowers in finding an affordable loss mitigation option in a high-interest rate environment. As of May 1, 2025, VA rescinds the VA Home Retention Waterfall and will stop accepting VASP submissions, including new VASP Trial Payment Plans (TPPs). VA will allow active TPPs to continue through August 31, 2025, and will purchase successful loans, subject to VA’s determination that funds remain available for VASP. (Valid until rescinded)

Circular 26-25-1 - Mar 31, 2025
Elimination of Builder Identification Number for Certain Guaranteed Loans and Updates to Builder Complaint Process
PURPOSE: The Department of Veterans Affairs (VA) is rescinding the procedure for builders to request a VA builder identification number for processing VA-guaranteed loans on new and proposed construction properties. VA is also updating the process for addressing complaints about builders received from Veterans. (Valid until rescinded)

Circular 26-23-6 (Change 2) - Jan 21, 2025 | Circular 26-23-6 (Change 1) | Circular 26-23-6 | Exhibit A | Exhibit B
Funding Fee Charge Update
PURPOSE: The purpose of this Circular is to announce an update to the current VA funding fee rate table applicability dates to conform with the Senator Elizabeth Dole 21st Century Veterans Healthcare and Benefits Improvement Act, Public Law 118-210. (Valid until rescinded)

2024

Circular 26-24-22 - Dec 9, 2024
Federal Housing Finance Agency (FHFA) Announces 2025 Conforming Loan Limits
PURPOSE: The purpose of this Circular is to announce the FHFA maximum conforming loan limits (CLL), also known as Freddie Mac CLL, for 2025. In the Department of Veterans Affairs (VA’s) program the CLL can impact the entitlement calculation for some Veterans. The new FHFA loan limits are found at: Conforming Loan Limit (CLL) Values. (Rescind Jan 1, 2026)

Circular 26-24-18 (Change 1) - Oct 4, 2024 | Circular 26-24-18
LGY Program Participant Management System for Lenders Announcement
PURPOSE: The purpose of this Circular is to announce a change to the release date for the Department of Veterans Affairs (VA) Loan Guaranty Service (LGY) Program Participant Management (PPM) System. (Valid until rescinded)

Circular 26-24-19 - Sep 13, 2024
Invoice Requirements for Itemized Fees and Charges and Updates to the State Fees & Charges Deviations List
PURPOSE: The purpose of this Circular is to clarify when a lender or holder (hereafter lender) needs to provide an invoice to support itemized fees and charges that are charged to or paid by a Veteran or assumer obtaining a VA-guaranteed loan. This Circular does not address, or apply to, the lender’s one percent fee. (Valid until rescinded)

Circular 26-24-18 - Sep 9, 2024
LGY Program Participant Management System for Lenders Announcement
PURPOSE: The purpose of this Circular is to notify lenders of the introduction of a new system, the Program Participant Management (PPM) System. (Valid until rescinded)

Circular 26-24-17 - Aug 14, 2024
Secondary Borrowing Requirements on Assumption Transactions
PURPOSE: The purpose of this Circular is to help holders process assumption transactions that also involve secondary borrowing. (Valid until rescinded)

Circular 26-24-16 - Aug 8, 2024
Implementation Date for VA’s Home Retention Waterfall
PURPOSE: The purpose of this Circular is to provide clarification on the dates of implementation for the recently released guidance in VA Servicer Handbook, M26-4, Chapter 5 and Appendix F. (Rescind Oct. 1, 2024)

Circular 26-24-14 (Change 1) - Aug 5, 2024 | Circular 26-24-14
Temporary Local Variance for Certain Buyer-Broker Charges
PURPOSE: The purpose of this Circular is to announce a change to how Veteran-paid buyer-broker charges are to be recorded on the Closing Disclosure. (Valid until rescinded)

Circular 26-23-6 (Change 1) - Aug 2, 2024 | Circular 26-23-6 | Exhibit A | Exhibit B
Funding Fee Charge Update
PURPOSE: The purpose of this Circular is to announce an update to the current VA funding fee rate table applicability dates to conform with Public Law 118-19. (Valid until rescinded)

Circular 26-24-15 - Jul 19, 2024
Guaranteeing VA Loans with Veteran-Paid Buyer-Broker Charges
PURPOSE: The purpose of this Circular is to announce an enhancement made to the Issue Guaranty screen in VA’s WebLGY system related to Veteran-paid buyer-broker charges. (Valid until rescinded)

Circular 26-24-12 (Change 1) - Jun 21, 2024 | Circular 26-24-12
Loan Repayment Relief for Borrowers
PURPOSE: The purpose of this Circular is to clarify the foreclosure moratorium exceptions. (Rescind Jan. 1, 2025)

Circular 26-24-14 - Jun 11, 2024
Temporary Local Variance for Certain Buyer-Broker Charges
PURPOSE: The purpose of this Circular is to announce a temporary local variance for charges related to real estate broker or agent (buyer-broker) compensation. (Valid until rescinded)

Circular 26-24-13 - Jun 3, 2024
Full File Loan Review File Submission Update
PURPOSE: The purpose of this Circular is to inform lenders of an upcoming change to the Full File Loan Review (FFLR) file submission process. (Valid until rescinded)

Circular 26-24-12 - May 29, 2024
Loan Repayment Relief for Borrowers
PURPOSE: The purpose of this Circular is to announce a targeted foreclosure moratorium on VA-guaranteed loans. This will give servicers the time to implement the Veterans Affairs Servicing Purchase (VASP) program, which is described in Chapter 9 of the VA Servicer Handbook M26-4. (Rescind Jan. 1, 2025)

Circular 26-24-10 - May 6, 2024
Compliance Inspector Qualifications for Former Specially Adapted Housing Agents
PURPOSE: The purpose of this Circular is to provide clarification regarding former Specially Adapted Housing (SAH) Agents applying to be, or currently serving as, an SAH Compliance Inspector (CI). (Valid until rescinded)

Circular 26-24-9 - Apr 25, 2024
New VA Form 26-10291 - Assumption Entitlement Acknowledgement
PURPOSE: The purpose of this Circular is to announce the creation of VA Form 26-10291, Assumption Entitlement Acknowledgement, and to inform holders and their authorized servicing agents (herein after holders) on its use. (Valid until rescinded)

Circular 26-24-8 - Apr 17, 2024
Updates to VA Loan Modification Options
PURPOSE: The purpose of this Circular is to offer an expanded loan modification option to assist borrowers in reaching an affordable payment in the current environment of rising interest rates. (Valid until rescinded)

Circular 26-24-7 - Apr 3, 2024
Updates to the Interest Rate Reduction Refinancing Loan Order Screen and Prior Loan Information
PURPOSE: The purpose of this Circular is to announce system updates made to the Interest Rate Reduction Refinancing Loan (IRRRL) order screen and IRRRL Status & History Screen in VA’s WebLGY system.

Circular 26-24-6 - Apr 1, 2024 | Exhibit A
“No Cash, No Check” Policy for Bills of Collection on Reconveyances
PURPOSE: The purpose of this Circular is to to notify servicers that VA’s Administrative and Loan Accounting Center (ALAC) is adopting a “no cash, no check” policy as part of its modernization efforts. (Rescinded by Circular 26-25-3 - Apr 24, 2025)

Circular 26-21-8 (Change 1) - Mar 5, 2024
Expanded Home Loan Eligibility Based on Certain National Guard Service
PURPOSE: The purpose of this Circular is to extend the rescission date of Circular 26-21-8, Expanded Home Loan Eligibility Based on Certain National Guard Service. Therefore, Circular 26-21-8 is changed to delete paragraph 7 on page 2 “This Circular is rescinded April 1, 2024”, and replace with “This Circular is valid until rescinded”.

Circular 26-24-5 - Feb 26, 2024 | Exhibit A
VA Assumption Locality Variance
PURPOSE: The purpose of this Circular is to announce the approval of a local variance related to assumption transactions. The variance would permit a loan holder to charge an individual assuming a VA-guaranteed loan an assumption-related fee based on the location of the subject property.

Circular 26-23-10 (Change 1) - Feb 23, 2024
VA Assumption Updates
PURPOSE: The purpose of this Circular is to provide additional information regarding fees that may be charged to and paid by the assumer, upon the closing, of an assumption of a VA-guaranteed loan, and to replace references to VA’s Outlook-based email address listed in the original circular.

Circular 26-19-31 (Change 2) - Feb 12, 2024
Assisted Appraisal Processing Program (AAPP)
PURPOSE: The purpose of this Circular is to extend the rescission date of Circular 26-19-31.

Circular 26-24-3 - Feb 9, 2024
Updates to Loan Repayment Relief for Borrowers Affected by COVID-19
PURPOSE: The purpose of this Circular is to consolidate updates related to VA’s disaster modification and loan deferment options. These options were previously described by Circular 26-21-07 and subsequent change circulars. For borrowers affected by COVID-19, these options will continue to be available through May 31, 2024.

Circular 26-24-2 - Feb 9, 2024 | Exhibit A
Updates to VA’s COVID-19 Home Retention Waterfall and COVID-19 Refund Modification
PURPOSE: The purpose of this Circular is to update, clarify, and consolidate instructions related to the COVID-19 Home Retention Waterfall and COVID-19 Refund Modification home retention option. Key features include a 40-year repayment term for a COVID-19 Refund Modification, clarification of VA’s expectations under Starting Point III, Step D, of the COVID-19 Home Retention Waterfall, and extension of the availability of COVID-19 related assistance through May 31, 2024.

Circular 26-24-1 - Jan 18, 2024
VA Credit-Underwriting Designation For Non-Supervised Automatic Lenders
PURPOSE: The Department of Veterans Affairs (VA) is publishing this Circular to reiterate the expectation that all underwriting decisions to approve or deny a VA loan closed on the non-supervised automatic basis must be made by a VA-approved credit underwriter, and to clarify that VA’s Staff Appraisal Reviewer (SAR) designation does not confer credit underwriting authority.

2023

Circular 26-23-27 - Dec 20, 2023
Noncompliance in Processing Assumptions
PURPOSE: The Department of Veterans Affairs (VA) is publishing this Circular to remind holders and servicers of their obligation to process assumptions and to outline for holders and servicers how VA will address failure to comply with assumption requirements.

Circular 26-23-26 - Dec 1, 2023
Federal Housing Finance Agency (FHFA) Announces 2024 Conforming Loan Limits
PURPOSE: On November 28, 2023, the Federal Housing Finance Agency (FHFA) announced the maximum conforming loan limits (CLL), also known as Freddie Mac CLL, for 2024. In VA’s program the CLL can impact the entitlement calculation for some Veterans. The new FHFA loan limits are found at: https://www.fhfa.gov/DataTools/Downloads/Pages/Conforming-Loan-Limit.aspx.

Circular 26-23-25 - Nov 30, 2023
Loan Repayment Relief for Borrowers
PURPOSE: The purpose of this Circular is to announce a foreclosure moratorium and update servicers on how to assist borrowers.

Circular 26-23-23 - Nov 8, 2023 | Exhibit A
Staff Appraisal Reviewer (SAR) Application and Fees
PURPOSE: The purpose of this Circular is to announce that the Lender’s Staff Appraisal Reviewer (SAR) Application, VA Form 26-0785; Servicer Staff Appraisal Reviewer (SAR) Application, VA Form 26-0829; and $100 application fee should no longer be submitted to the Administrative and Loan Accounting Center (ALAC) physical address for fee payment processing. The application and fees will be submitted to VA electronically.

Circular 26-23-16 (Change 1) - Nov 3, 2023
Special Relief Following Hawaii Wildfires
PURPOSE: The purpose of this Circular is to extend the foreclosure moratorium for loans affected by the Hawaii Wildfires.

Circular 26-23-21 - Oct 12, 2023
Regional Loan Center (RLC) Outlook Mailbox Transition to ServiceNow
PURPOSE: The purpose of this Circular is to notify participants of the VA Home Loan program such as Lenders, Servicers, Veterans and other external stakeholders that RLC-based Outlook mailboxes used for submitting customer service inquiries or program specific questions to Construction and Valuation (C&V) and Specially Adapted Housing (SAH) personnel will be decommissioned and transitioned to a ServiceNow Portal. The link for the ServiceNow portal, along with contact information for other areas of LGY, can be found here: https://www.benefits.va.gov/HOMELOANS/contact.asp.

Circular 26-23-12 (Change 1) - Oct 2, 2023
VA’s COVID-19 Home Retention Waterfall and COVID-19 Refund Modification
PURPOSE: The purpose of this Circular is to clarify how servicers should evaluate a borrower for a COVID-19 Refund Modification under Step B of the COVID-19 Home Retention Waterfall.

Circular 26-23-19 - Oct 2, 2023
VA Funding Fee Exemption and Refund Procedures for Lenders
PURPOSE: The purpose of this Circular is to clarify procedures related to The Department of Veterans Affairs (VA) funding fee exemption determinations and how refund requests should be submitted.

Circular 26-23-17 - Sep 29, 2023
Information on VA Loan Originations and Special Relief for Borrowers During a Federal Government Shutdown
PURPOSE: The purpose of this Circular is to provide clarity regarding the impact of a Federal Government shutdown on new and existing VA- guaranteed home loans.

Circular 26-22-16 (Change 1) - Sep 11, 2023
Full File Loan Review (FFLR) Stacking Order Update
PURPOSE: The purpose of this Circular is to remove the “Pricing Sheet” from the stacking order for loans selected for FFLR.

Circular 26-23-16 - Aug 18, 2023
Special Relief Following Hawaii Wildfires
PURPOSE: This Circular expresses concern about the Department of Veterans Affairs (VA) home loan borrowers affected by the Hawaii Wildfires, and describes measures mortgagees may employ to provide relief. FEMA will continue to update the list of counties impacted on their website here: https://www.fema.gov/disaster/declarations. Mortgage servicers and borrowers alike should review VA’s Guidance on Natural Disasters to ensure Veterans receive the assistance they need.

Circular 26-23-14 - Jul 31, 2023
Updates to VA Lender Forms 26-8736 and 26-8736c
PURPOSE: To advise stakeholders that VA Form 26-8736, Application for Authority to Close Loans on the Automatic Basis – Non-Supervised Lenders, was revised. Additionally, VA is introducing a new form, VA 26-8736c, Request for Agent Recognition.

Circular 26-23-13 - Jul 24, 2023
Liquidation Appraisal Interior Access Attempts
PURPOSE: To announce changes to VA’s procedural requirements regarding VA Fee Appraiser’s responsibility to gain interior access for liquidation appraisal assignments when the subject property is occupied.

Circular 26-23-12 - Jul 19, 2023 | Exhibit A | 
VA’s COVID-19 Home Retention Waterfall and COVID-19 Refund Modification
PURPOSE: To update servicers on how to assist borrowers following termination of the COVID-19 National Emergency.

Circular 26-23-11 -June 6, 2023
Regional Loan Center Outlook mailbox transition to ServiceNOW
PURPOSE: Notify participants in the home loan program that regional loan center mailboxes used to submit customer service inquiries are transitioning to SerivceNOW Portal. 

Circular 26-21-7 (Change 3) - May 26, 2023
Loan Repayment Relief for Borrowers Affected by COVID-19
PURPOSE: The purpose of this Circular is to extend the rescission date of Circular 26-21-07, Change 2.

Circular 26-23-10 - May 22, 2023 | Exhibit A | Exhibit B
VA Assumption Updates
PURPOSE: To clarify assumption procedures and republish the stacking order for Assumptions with VA-Prior Approval, Assumptions without Substitution of Entitlement, Assumptions with Substitution of Entitlement, and Assumption Appeals.

Circular 26-23-8 - April 21, 2023
Forbearance Timeframe Extension for Borrowers Affected by COVID-19
PURPOSE: Through this Circular, 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 April 10, 2023, end date of the COVID-19 Presidentially Declared National Emergency.

Circular 26-20-16 (Change 1) - March 24, 2023
Guidance for Noncompliant Interest Rate Reduction Refinance Loans (IRRRLs)
PURPOSE: This change extends rescission date of Circular 26-20-16 and Exhibit A to "valid until rescinded".

Circular 26-23-6 - February 14, 2023 | Exhibit A | Exhibit B
Funding Fee Charge Update
PURPOSE: To announce a scheduled change to VA funding fee rates for loans closed on or after April 7, 2023, as listed on the loan fee table located in 38 U.S.C. §3729(b)(2).

Circular 26-23-3 (Change 1) - January 27, 2023
Updates to VA Forms 26-1820 and 26-1802a
PURPOSE: This change extends the effective date of Circular 26-23-3 to April 1, 2023.

Circular 26-23-4 (Change 1) - January 26, 2023
Updates to VA Form 26-6393
PURPOSE: This change extends the effective date of Circular 26-23-4 to April 1, 2023

Circular 26-23-5 - January 18, 2023
Oversight of Appraisal Reports to Promote Fair Housing for All Veterans Obtaining Loans Backed by the Department of Veterans Affairs
PURPOSE: Announces enhanced oversight procedures that will better enable VA to identify discriminatory bias in home loan appraisals and act against participants who illegally discriminate based on race, color, national origin, religion, sex (including gender identity and sexual orientation), age, familial status, or disability.

Circular 26-23-4 - January 17, 2023
Updates to VA Form 26-6393, VA Loan Analysis
PURPOSE: This Circular announces updates to VA Form 26-6393 (VA Loan Analysis)

Circular 26-23-3 - January 17, 2023
Updates to VA Forms 26-1820 and 26-1802a
PURPOSE: Advises stakeholders that VA Form 26-1820 (Report and Certification of Loan Disbursement) has been revised. Additionally, VA 26-1802a (HUD/VA Addendum to the Uniform Residential Loan Application) has been discontinued.

Circular 26-23-2 - January 5, 2023
Updates to VA Eligibility Request Forms 26-1880 and 26-1817
PURPOSE: Advises stakeholders that VA Form 26-1880 (Request for a Certificate of Eligibility) and VA Form 26-1817 (Request for Determination of Loan Guaranty Eligibility – Unmarried Surviving Spouses) have been revised.

Circular 26-23-1 - January 3, 2023
Deactivation of Inactive LGY Hub Accounts
PURPOSE: Reminds all registered users of the VA Loan Guaranty Service (LGY) Hub that inactive accounts will be deactivated.

2022

Circular 26-22-18 - December 5, 2022
Federal Housing Finance Agency (FHFA) Announces 2023 Conforming Loan Limits
PURPOSE: On November 29, 2022, the Federal Housing Finance Agency (FHFA) announced the maximum conforming loan limits (CLL), also known as Freddie Mac CLL, for 2023.

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, 2022 | Exhibit A | Exhibit 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, 2022 | Exhibit A | Exhibit 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, 2021 | Exhibit 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, 2021 | Exhibit 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, 2021 | Exhibit A | Exhibit 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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