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Circulars: 2018
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Circular 26-18-29 - December 11, 2018 -
Market Conditions Addendum to VA Appraisal
PURPOSE: The purpose of this circular is to announce that the Department of Veterans Affairs (VA) no longer requires appraisers to include Fannie Mae Form 1004MC, in all VA appraisal reports.
Circular 26-18-28 - December 13, 2018 -
Loan Guaranty Red Flag Rules Policy
PURPOSE: This circular conveys Loan Guaranty Service's Red Flag Rules Policy to aid in the detection, prevention, and mitigation of identity theft in connection with the Department of Veteran Affairs (VA) portfolio Loans.
Circular 26-14-4 - Change 2 - December 13, 2018 -
2019 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 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 26-18-27 - December 12, 2018 -
2019 Department of Veterans Affairs County Loan Limits
PURPOSE: This circular announces the Department of Veterans Affairs (VA) effective loan limits closed on or after January 1, 2019.
Circular 26-18-26 - November 15, 2018 -
Special Relief Following California Wildfires
PURPOSE: This circular expresses concern about the Department of Veterans Affairs (VA) home loan borrowers affected by the California wildfires, and describes measures mortgagees may employ to provide relief.
Circular 26-18-25 - October 30, 2018 -
The Effect of Guaranty Claim Payments on Veteran Home Loan Entitlement
PURPOSE: This circular provides clarification regarding a Veteran's entitlement when a Department of Veterans Affairs (VA) guaranteed home loan is terminated by foreclosure, compromise sale (short sale), or deed-in-lieu of foreclosure (DIL) and a claim under the guaranty is paid.
Circular 26-18-23 - October 15, 2018 -
Special Relief Following Hurricane Michael
PURPOSE: This Circular expresses concern about the Department of Veterans Affairs (VA) home loan borrowers affected by Hurricane Michael, 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 26-18-19 - September 27, 2018 -
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, 2018, the Department of Veterans Affairs (VA) announces that the SAH, SHA, and TRA grant amounts will increase.
Circular 26-18-18 - September 18, 2018 -
Special Relief Following Hurricane Florence
PURPOSE: This circular expresses concern about the Department of Veterans Affairs (VA) home loan borrowers affected by Hurricane Florence, and describes measures mortgagees may employ to provide relief.
Circular 26-18-17 - August 30, 2018 -
Special Relief Following Hurricane Lane
PURPOSE: This circular expresses concern about the Department of Veterans Affairs (VA) home loan borrowers affected by Hurricane Lane, and describes measures mortgagees may employ to provide relief.
Circular 26-18-16 - June 14, 2018 -
Special Relief Following Maine Severe Storm and Flooding
PURPOSE: This circular expresses concern about the Department of Veterans Affairs (VA) home loan borrowers affected by a severe storm and flooding in the State of Maine, and describes measures mortgagees may employ to provide relief.
Circular 26-16-14 - Change 1 - June 11, 2018 -
Title Requirements for Conveyance of Real Property
PURPOSE: The purpose of this circular is to extend the rescission date of the original circular.
Circular 26-18-14 - May 31, 2018 -
Lender's Certification Requirement for VA Guaranteed Loans
PURPOSE: The purpose of this circular is to provide clarification on the regulatory requirement that all Department of Veterans Affairs (VA) guaranteed loans require lender certifications.
Circular 26-18-13 - May 25, 2018 - Exhibit A
Policy Guidance Update: VA Refinance Loans and the Economic Growth, Regulatory Relief and Consumer Protection Act
PURPOSE: To inform program participants about the impact of the provisions of The Protecting Veterans From Predatory Lending Act of 2018, as it relates to Veterans Affairs (VA) Home Loan financing.
Circular 26-18-12 - May 24, 2018 -
Changes to Processing Site Condominiums Located in the State of Michigan
PURPOSE: The purpose of this circular is to announce changes to processing site condominiums for VA loan purposes in the state of Michigan.
Circular 26-18-11 - May 16, 2018 -
Change to Winterization Fee Policy
PURPOSE: This Circular provides updated guidance on winterization fees for preservation of properties securing VA-guaranteed loans.
Circular 26-18-10- May 16, 2018 -
Special Relief Following Hawaii Volcanic Eruptions and Earthquakes
PURPOSE: This Circular expresses concern about the Department of Veterans Affairs (VA) home loan borrowers affected by volcanic eruptions and earthquakes in the State of Hawaii, and describes measures mortgagees may employ to provide relief.
Circular 26-18-9 - May 14, 2018 -
Special Relief Following North Carolina Tornado and Severe Storms
PURPOSE: This circular expresses concern about the Department of Veterans Affairs (VA) home loan borrowers affected by the tornado and severe storms in the State of North Carolina and describes measures mortgagees may employ to provide relief.
Circular 26-18-8 - May 14, 2018 -
Special Relief Following Hawaii Severe Storms, Flooding, Landslides and Mudslides
PURPOSE: This circular expresses concern about the Department of Veterans Affairs (VA) home loan borrowers affected by severe storms, flooding, landslides and mudslides in the State of Hawaii and describes measures mortgagees may employ to provide relief.
Circular 26-17-39 - Change 1 - May 8, 2018 -
Updated Disaster Modification Guidance
PURPOSE: The purpose of this circular is to clarify VA's position on re-amortization when required through investor guidelines and to correct the numbering of section titled "Rescission".
Circular 26-18-7 - April 6, 2018 -
Construction/Permanent Home Loans
PURPOSE: This circular replaces Chapter 7, Topic 2, Construction Loans, in the Department of Veterans Affairs (VA) Pamphlet 26-7, Lender's Handbook.
Circular 26-18-6 - April 5, 2018 -
Loans for Alteration and Repair
PURPOSE: This circular replaces Chapter 7, Topic 4, Loans for Alteration and Repair, in the Department of Veterans Affairs (VA) Lender's Handbook, 26-7.
Circular 26-18-1 - Change 1 - April 5, 2018 - Exhibit A
Policy Guidance for VA Interest Rate Reduction Refinance Loans (IRRRL)
PURPOSE: The purpose of this Circular is to clarify questions by adding frequently asked questions with answers, and update some administrative guidance.
Circular 26-15-18 - Change 2 - March 20, 2018 -
Paid in Full Notification of Loans Guaranteed for Repurchase Under the Provisions of 38 C.F.R. 36.4600 (VA Regulation 4600 Loans)
PURPOSE: The purpose of this Circular is to extend the rescission date and update contact information.
Circular 26-17-23 - Change 2 - March 5, 2018 -
Special Relief Following Hurricane Harvey
PURPOSE: The purpose of this circular is to extend the established moratorium on foreclosures following a major disaster.
Circular 26-17-28 - Change 2 - March 1, 2018 -
Special Relief Following Hurricane Maria
PURPOSE: The purpose of this circular is to extend the established moratorium on foreclosures following a major disaster.
Circular 26-17-27 - Change 2 - March 1, 2018 -
Special Relief Following Hurricane Irma
PURPOSE: The purpose of this circular is to extend the established moratorium on foreclosures following a major disaster.
Circular 26-18-5 - February 27, 2018 - Exhibit A | Exhibit B
Department of Veterans Affairs (VA) Property Management and Servicing Contract
PURPOSE: This Circular provides details concerning operational matters related to VA's Real Estate Owned (REO) and direct loan portfolio, also known as VA's National Portfolio, performed by Vendor Resource Management (VRM) under the U.S. Department of Veterans Affairs (VA) REO and Portfolio Servicing Contract (RSPC).
Circular 26-18-4 - February 23, 2018 -
Policy Reminder for Lender's Payment or Credit of Veterans Costs in VA Home Loans
PURPOSE: The purpose of this circular is to clarify policy guidance to lenders regarding the use of credits or interest rates to pay borrower costs in Department of Veterans Affairs (VA) guaranteed home loan transaction.
Circular 26-18-3 - February 23, 2018 -
Department of Veterans Affairs (VA) Acceptance of Properties
PURPOSE: This circular provides guidance on requests for execution of documents related to the conveyance or reconveyance of properties to the Secretary of The Department of Veterans Afairs (VA) to provide specific details to those authorized to sign documents for the Secretary, and to those who submit such documents.
Circular 26-15-9 - Change 1 - February 6, 2018 -
Servicer Statutory Redemption Procedure
PURPOSE: The purpose of this circular is to extend the rescission date.
Circular 26-15-2 - Change 1 - February 6, 2018 -
Reconveyance Disputes Process
PURPOSE: The purpose of this circular is to extend the rescission date.
Circular 26-18-1 - February 1, 2018 -
Policy Guidance for VA Interest Rate Reduction Refinance Loans (IRRRL)
PURPOSE: The purpose of this circular is to inform lenders of new policy guidance on IRRRL disclosures.
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