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Circulars: Calendar Year 2021
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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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