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3623982d-a7d9-4ce1-9e96-bf887ed673de
|
Loans, 7-8 Calculating Joint Loan Guaranty and Entitlement, 7-6 Calculating Monthly Installments, 7-30 Calculating the Funding Fee, 8-20 Calculating the Maximum Loan, 6-6 Calculation of Adjusted Net Worth, 1-50 Calculation, 1-50 Cancellation of VA Approval, 14-17 Case Reviews by VA Staff, 15-12 Cash-Out Refinancing Loan Definition, 6-19 Cash-out Refinancing Loans, 3-18 Cash-Out Refinancing Loans,
|
VA_Guidelines.txt
|
81d81be2-09ac-4da2-8d4d-d6153f41f2f5
|
Loans, 3-18 Cash-Out Refinancing Loans, 6-19 Cause and Treatment Codes, 17-4 Causes for LDP, 17-19 Certificate of Commitment, 5-9, 7-10 Certificate of Eligibility, 5-22 Certificate of Reasonable Value (CRV), 15- 15 Certification Wording, 13-7 Certifications a Nonsupervised Automatic Lender Must Comply With, 1-19 Change in the Fee Appraiser’s Value Estimate, 13-9 Change Justification, 13-9 Change
|
VA_Guidelines.txt
|
1256dbee-b17a-42ae-ab3d-57418b151ef4
|
Estimate, 13-9 Change Justification, 13-9 Change Notification, 14-17 Change Request Form, 14-15 Change Restrictions to Value Estimate, 13-9 Changes in SAR’s Employment or Lender’s Status, 15-13 Changes in the Ownership or Corporate Structure, 1-31 Changes to the Agreed Upon Discount Points, 3-19 Changes to the Agreed Upon Interest Rate, 3-17 Changes to the Loan Occurring Between Issuance of the
|
VA_Guidelines.txt
|
f8639f2a-43c0-41f7-a9cc-02c86cd0ee12
|
to the Loan Occurring Between Issuance of the Certificate of Commitment, 5-10 Index Corrective Action, 1-53 Cost Approach, 11-9 Cost of the Repairs, Alterations, or Improvements does not Exceed $3,500, 7- 24 Cost of the Repairs, Alterations, or Improvements Exceeds $3,500, 7-18 Crawl Space, 12-8 Credit Counseling Plan, 4-47 Credit History, 4-44, 4-66 Credit Report Standards, 4-44 Credit
|
VA_Guidelines.txt
|
46ef5a8f-84b7-426d-99ef-55edacd7f1ff
|
4-44, 4-66 Credit Report Standards, 4-44 Credit Underwriting, 6-12 Credits from Mortgage Credit Certificates, 4-28 Dated Opinion, 16-11 Debarment or Suspension Causes, 17-17 Debarment, 17-15 Debarred Loan Guaranty Participants, 17-16 Debt Related to VA Benefits, 4-36 Debts and Obligations
|
VA_Guidelines.txt
|
7cd72066-0eaa-4c04-95a1-2124fe445288
|
.
|
VA_Guidelines.txt
|
ae3b2010-225e-4c0d-9514-8d84b6db5ec3
|
See Section 4
|
VA_Guidelines.txt
|
ff34ee99-f253-43a0-8621-f48cee63a31f
|
.07 for Details on the Type of Credit Report Required Debt-to-Income Ratio, 4-66 Defective Conditions, 12-11 Definition of Reasonable Value, 11-3 Definitions and Authorities, 1-2 Delayed Installation of Appliances and Finished Floor Covering, 14-13 Delayed Occupancy, 3-15 Delays in Starting Construction, 14-3 Determination of the Amount of Insurance Required, 9-28 Determining Reasonable Value and
|
VA_Guidelines.txt
|
97784932-6995-45d7-b5e0-4de2787cfb9a
|
Required, 9-28 Determining Reasonable Value and Issuing CRVs, 17-13 Determining the Type of Inspection, 14-1 Discontinuing Reliance on Local Inspections, 14-10 Discount Point Requirements, 3-18 Discount Points, 3-18 Discovery of Title Limitations & Conditions, 13-30 Disregard for VA Requirements - Example, 17-12 Distributing Notices of Value, 13-24 Document Accuracy, 16-7 Documentation Required
|
VA_Guidelines.txt
|
a038c389-652a-4ffd-a77e-78f5308bdf48
|
Document Accuracy, 16-7 Documentation Required with Closed Loan, 7-20 I-3 VA Pamphlet 26-7, Revised Equal Housing Certification, 17-24 Escrow Description, 9-21 Escrow for Postponed Completion of Improvements, 9-19 Escrow for Taxes and Insurance, 9-30 Escrow Funds Procedure, 9-23 Escrow Requirements, 7-33 Escrows and Related Issues, 9-1 Establishing an Escrow or Earmarked Account, 7-20 Estate of
|
VA_Guidelines.txt
|
8e090f4b-e498-4d08-9745-eb18f513f625
|
an Escrow or Earmarked Account, 7-20 Estate of the Veteran, 9-5 Evidence of Guaranty, 3-25, 5-22 Exceptions to Training, 15-9 Excluded Party, 17-4 Exempt Status Cannot be Determined, 8-18 Exhibit 1—LAPP Lender’s Notice of Value, 13-35 Existing Construction - Manufactured Homes Classified, 12-20 Existing Construction, 11-15 Existing Properties, 7-28 Expediting VA Approvals, 16-6 Experienced Farmer
|
VA_Guidelines.txt
|
746e0f1d-5b0e-436d-b84f-7e75b3396477
|
Expediting VA Approvals, 16-6 Experienced Farmer Continuing Same Farm Operation, 7-37 Experienced SAR to Train and Supervise New SAR, 15-9 Extension of Authority, 1-22 Extension of Validity Period, 13-25 Exterior Inspection, 14-7 Failure to Meet Qualification Requirements - Example, 17-12 False Lender Certification, 17-6 Farm Residence Loan Eligibility, 7-36 Farm Residence Loans, 7-36 Farm
|
VA_Guidelines.txt
|
04838823-d5f1-4be0-9ea4-97916ea83ace
|
Eligibility, 7-36 Farm Residence Loans, 7-36 Farm Residences, 11-20 Federal Debts, 4-43 Fee for Each Agent, 1-27 Fee Payment Problems, 10-29 Fees and Charges If the Loan Never Closes, 8-13 Fees and Charges That Can be Included In the Loan Amount, 8-14 Fees and Charges the Veteran-Borrower Can Pay, 8-3 Fees and Charges the Veteran-Borrower Cannot Pay, 8-8 Fees For Appraisals and Inspections, 10-28
|
VA_Guidelines.txt
|
a9d2ddcc-83c6-4875-bb4c-5c2e62cd9978
|
8-8 Fees For Appraisals and Inspections, 10-28 Index Documenting Amendments After Project Approval, 16-8 Documenting LAPP Appraisal Reviews, 13- 7 Documents Subject to Rescission or Reformation, 16-8 Downpayment, 7-12 Down Payment Required, 7-28 Down Payment Rules, 3-2 Down Payments, 3-10, 7-13 Drainage, 12-11 Due Diligence, 15-14 Easement, 13-31 ECOA Considerations, 4-7, 7-11 EEM Requirements,
|
VA_Guidelines.txt
|
dae93db1-e8f6-4fd0-80cd-f9f1c193f1d6
|
ECOA Considerations, 4-7, 7-11 EEM Requirements, 7-15 EEMs Definition, 7-15 Effect of Major Disasters on Notices of Value, 13-34 Electricity, 12-8 Electronic Payment of the VA Funding Fee
|
VA_Guidelines.txt
|
cc8ccafc-7e01-45d4-8c6f-16373c93b13b
|
.
|
VA_Guidelines.txt
|
32886090-027a-4ba6-8696-238db38c23df
|
See Appendix C Electronic Transmission of Appraisal Reports, 11-8 Elements of a Quality Control Plan, 1-52 Elements of a Quality Control Plan-Review of Loans, 1-54 Elements of a VA-Guaranteed Loan, 3-2 Eligibility of Land Sale Contracts, 9-8 Eligibility of Option Contracts, 9-8 Eligible Geographic Locations for the Secured Property, 3-23 Eligible Loan Purposes, 3-5 Employed Less Than 12 Months,
|
VA_Guidelines.txt
|
ef3c7014-f4b8-49ad-a878-dedff748c5d1
|
Loan Purposes, 3-5 Employed Less Than 12 Months, 4-11 Encroachment, 13-32 Energy Conservation Improvements, 13-12 Energy Efficiency Improvements in Conjunction with an IRRRL, 7-17 Energy Efficiency Improvements More Than $3,000, up to $6,000, 7-17 Energy Efficiency Improvements Over $6,000, 7-17 Energy Efficiency Improvements up to $3,000, 7-17 Energy Efficient Construction, 13-19 Energy
|
VA_Guidelines.txt
|
83742abe-e2cb-47ae-b103-88d2f61199bc
|
7-17 Energy Efficient Construction, 13-19 Energy Efficient Mortgages (EEMs)
|
VA_Guidelines.txt
|
4ed39f92-c789-4376-8fc8-7e4d16ce7fec
|
.
|
VA_Guidelines.txt
|
65b961e3-429c-4183-acfb-e6f7abb8e482
|
See 7- 15 thru 7-20 Equal Employment Opportunity Requirement, 14-4 I-4 VA Pamphlet 26-7, Revised Fees from Lenders with Automatic Authority, 1-40 Field Station Review for Problems or Changes, 12-18 Final Inspection, 14-8 Financing Mix, 11-10 First and Third (final) Inspections, 14-11 First Inspection Stage, 14-5 First Mortgages Holders Rights, 16-8 First Year Payment Amount, 7-34 First-Time VA
|
VA_Guidelines.txt
|
643ba149-b2c5-49d2-b513-5d787c56014d
|
First Year Payment Amount, 7-34 First-Time VA lenders, 1-6 Flexible Connections for Seismic Activity, 12-23 Flood Insurance Requirements, 9-27 Flood Insurance, 13-15 For Manufactured Homes Classified as Real Estate
|
VA_Guidelines.txt
|
27ed255f-0de0-456b-91a7-4aefef8e4713
|
.
|
VA_Guidelines.txt
|
aa5aed3b-ff5d-4656-92c1-bcb80742621d
|
See 7-40 thru 7-42 Foreclosure, 4-49, 10-12 Foundation Requirements, 12-22 Frequency and Scope of Reviews, 15-6 Frequent Changes of Employment, 4-12 Lines, 12-13 Full Exclusion, 17-3 Full Payment Amount, 7-35 Funding Fee and Energy Efficiency Improvements, 7-29 Funding Fee and Loan Reporting, 7-14 Funding Fee Calculation, 7-12 Funding Fee Clause, 9-3 Funding Fee Exception, 8-16 Funding Fee Rules,
|
VA_Guidelines.txt
|
7bc22cd3-702a-43f7-a0bc-2fd0ae41ef3b
|
Funding Fee Exception, 8-16 Funding Fee Rules, 3-4 Funding Fee Tables, 8-19 Gas and Petroleum Pipelines, 12-13 GEM Description, 7-32 General Escrow Procedures, 9-23 Geographic Extent of LAPP, 15-5 Geological or Soil Instability, 10-25 Government at Risk, 17-13 GPMs Description, 7-27 Graduated Payment Mortgage Loan on Existing Property Exception, 3-9 Graduated Payment Mortgage Loan on New Home
|
VA_Guidelines.txt
|
a307f99b-48a5-498e-b41f-96916ab115c8
|
3-9 Graduated Payment Mortgage Loan on New Home Exception, 3-9 Graduated Payment Mortgages (GPMs)
|
VA_Guidelines.txt
|
a01af79c-f40f-499d-b2e5-2b11142ab269
|
.
|
VA_Guidelines.txt
|
70348fe1-28aa-43b1-80f1-1824a7ef3786
|
See 7-27 thru 7-32 Growing Equity Mortgages (GEMs), 7-32 GSA List, 17-4 How to Underwrite a VA-Guaranteed Loan, HUD Conversion Exception, 10-27 VA Pamphlet 26-7, Revised Equal Housing Certification, 17-24 Escrow Description, 9-21 Escrow for Postponed Completion of Improvements, 9-19 Escrow for Taxes and Insurance, 9-30 Escrow Funds Procedure, 9-23 Escrow Requirements, 7-33 Escrows and Related
|
VA_Guidelines.txt
|
98d92706-a1a0-4450-81b3-09f209167c7f
|
Escrow Requirements, 7-33 Escrows and Related Issues, 9-1 Establishing an Escrow or Earmarked Account, 7-20 Estate of the Veteran, 9-5 Evidence of Guaranty, 3-25, 5-22 Exceptions to Training, 15-9 Excluded Party, 17-4 Exempt Status Cannot be Determined, 8-18 Exhibit 1—LAPP Lender’s Notice of Value, 13-35 Existing Construction - Manufactured Homes Classified, 12-20 Existing Construction, 11-15
|
VA_Guidelines.txt
|
3fab6f42-6e04-4b8e-875c-ae204581e2ea
|
Classified, 12-20 Existing Construction, 11-15 Existing Properties, 7-28 Expediting VA Approvals, 16-6 Experienced Farmer Continuing Same Farm Operation, 7-37 Experienced SAR to Train and Supervise New SAR, 15-9 Extension of Authority, 1-22 Extension of Validity Period, 13-25 Exterior Inspection, 14-7 Failure to Meet Qualification Requirements - Example, 17-12 False Lender Certification, 17-6
|
VA_Guidelines.txt
|
d2213229-0dc9-4a7e-b720-e16a39ab8884
|
- Example, 17-12 False Lender Certification, 17-6 Farm Residence Loan Eligibility, 7-36 Farm Residence Loans, 7-36 Farm Residences, 11-20 Federal Debts, 4-43 Fee for Each Agent, 1-27 Fee Payment Problems, 10-29 Fees and Charges If the Loan Never Closes, 8-13 Fees and Charges That Can be Included In the Loan Amount, 8-14 Fees and Charges the Veteran-Borrower Can Pay, 8-3 Fees and Charges the
|
VA_Guidelines.txt
|
7be360ad-a66a-439f-a117-5680538dae88
|
Can Pay, 8-3 Fees and Charges the Veteran-Borrower Cannot Pay, 8-8 Fees For Appraisals and Inspections, 10-28 Index Guaranty and Entitlement Use, 6-7, 7-25 Guidelines for Assets
|
VA_Guidelines.txt
|
2257e16e-3979-48d0-9af1-9a66d2019bda
|
.
|
VA_Guidelines.txt
|
e132bb3e-2c4e-40ed-83c0-68e3cb644a69
|
See Section 4.04, Assets Guidelines for Borrowers-Not Self Employed.
See Section 4.02 Income Guidelines for Borrowers-Self Employed.
See Section 4.02, Income Guidelines For Credit History.
|
VA_Guidelines.txt
|
ba68c59e-66c0-4af2-84d7-c41943b07326
|
See 4-51 thru 4-53 Hardship Exceptions, 9-17 Hazard Insurance, 9-27 Hazards and Defective Conditions, 12-11 Hazards, 12-11 High Voltage Electric Transmission Lines, 12-13 Housing Supply and Demand, 11-12 How a Nonsupervised Automatic Lender Requests Extension of Authority, Underwriter Approval, or Approval to Close Loans involving an Affiliate, 1-22 Fuel Pipelines and High Voltage Electric Lines,
|
VA_Guidelines.txt
|
cb3f0e7c-d2b7-437b-9c72-f425d8065833
|
Fuel Pipelines and High Voltage Electric Lines, 12-13 Housing Supply and Demand, 11-12 How a Nonsupervised Lender Applies for Automatic Authority
|
VA_Guidelines.txt
|
403482f0-21bf-48d7-833d-87de83ca5423
|
.
|
VA_Guidelines.txt
|
01e3b243-84d5-4064-8a43-8607946070c2
|
See Section 1.11, Participation Fees for Supervised and Nonsupervised Automatic Lenders How a Supervised or Nonsupervised Automatic Lender Requests VA Recognition of an Agent, 1-25 How LAPP Works, 15-1 How Long Notice of Value is Valid, 13-25 How to Analyze the Information on VA Form 26-6393.
See 4-65 thru 4-68 How to Complete VA Form 26-1820, 1-28 How to Complete VA Form 26-6393.
|
VA_Guidelines.txt
|
c910b26a-9218-406c-8221-6d396581ca93
|
See 4- 60 thru 4-64 How to Obtain a Lender ID Number, 1-47 How to Process VA Loans, 5-1 How to Report Loan Closing and Request Guaranty, 5-14, 5-15 How to Request a Change, 14-15 How to Request an Appraisal, 10-5 How to Request Prior Approval, 5-7 How to Request VA Recognition of an Agent, 1-26 How to Submit Loan Documents to VA, 5-5 4-2 HUD Handbook References, 12-19 I-5 Index HUD Inspections,
|
VA_Guidelines.txt
|
d83b4e2f-69c7-4f0a-a849-df362c4579da
|
References, 12-19 I-5 Index HUD Inspections, 10-26 HUD References, 12-5 HUD/FHA Inspection Fees, 8-9 Hurricane Ties, 12-22 Identification of the Project Requirements, 16-2 Identifying Excluded Parties Internet Address, 17-3 Identifying Other Assumptions, 16-9 Identifying Variations, 16-4 Impact of Interest Rate Increase on Loans in Process, 7-29 Importance of Income Verification, 4-6 Importance
|
VA_Guidelines.txt
|
5995ad9b-6219-47e4-a4f6-a4e9191c9695
|
Importance of Income Verification, 4-6 Importance of VA Value Estimate, 13-1 Inadequate Development of Credit Information, 4-69 Income Analysis Errors, 4-70 Income Analysis: General Guidance, 4-10 Income Approach, 11-9 Income from Commissions, 4-13 Income from Non-Military Employment
|
VA_Guidelines.txt
|
504089b1-8d01-4eed-a19e-497ec16075de
|
.
|
VA_Guidelines.txt
|
b800b5da-9506-4572-9fa6-1c2baf349a7c
|
See 4-7 thru 4-10 Income from Overtime Work, 4-12 Income from Service in the Reserves or National Guard.
|
VA_Guidelines.txt
|
14125674-e36e-4a40-a54b-9de040bfd4cf
|
See Income from Non- Military Employment Income of a Spouse, 4-6 Income of Recently Discharged Veterans, 4- 20 Income Taxes and Other Deductions, 4-27 Income Verification: Additional Documentation for Persons Employed in the Building Trades or Other Seasonal or Climate-Dependent Work, 4-9 Income Verification: Alternative Documentation, 4-9 Income Verification: Employment Verification Services,
|
VA_Guidelines.txt
|
17309951-cf32-4be1-ab3d-a26a0345dc45
|
Verification: Employment Verification Services, 4-8 Income Verification: General Requirement, 4-7 Income Verification: Standard Documentation, 4-8 Income, 4-6 Indemnity Liability Assumption Clause, 9-4 Individual Water Supply, 14-8 Individual Water Supply/Sewage Disposal Requirements, 12-14 Ineligible Loan Purposes, 3-6 I-6 I-5 VA Pamphlet 26-7, Revised Inference, 16-11 Initial Case Reviews, 15-9
|
VA_Guidelines.txt
|
f8029b22-88d5-4fc1-9f7c-e10f23493a5e
|
Inference, 16-11 Initial Case Reviews, 15-9 Inspection Stages, 14-4 Insured Protection Plan Coverage
|
VA_Guidelines.txt
|
634b0138-1119-46e1-94a6-fe49dd173d23
|
.
|
VA_Guidelines.txt
|
13d53529-e68b-49f4-ae14-0805aac7e07c
|
See Section 10
|
VA_Guidelines.txt
|
4e52d73a-4448-4fa8-b1d4-8f256e4e51c9
|
.09 Interest Rate and Points Rules, 3-3 Interest Rate Decrease, 6-2 Interest Rate Reduction Refinancing Loan (IRRRL), 6-12, 8-14 Interest Rate Reduction Refinancing Loan Exception, 3-8, 3-18 Interest Rate Reduction Refinancing Loans (IRRRLs), 3-18, 6-2 Interest Rate Requirement, 3-17 Interest Rates, 3-17 Interior Access, 11-24 Interior Inspection, 14-7 Intermittent Occupancy, 3-15 IRRRL Decision,
|
VA_Guidelines.txt
|
781e414d-3eff-459d-9978-3117e8497cfc
|
14-7 Intermittent Occupancy, 3-15 IRRRL Decision, 6-17 IRRRL Definition, 6-2 IRRRL Obligation, 6-9 IRRRL Occupancy, 6-11 IRRRL Prior Approval Procedures, 6-12 IRRRLs Rules, 3-3 IRRRLs Versus Cash-Out Refinancing Loans - Quick Reference Table, 6-21 Issuing a Notice of Value, 13-1 Item 33, Federal Income Tax, 4-61 Item 44, Balance Available for Family Support, 4-61 Item 45, Debt-to-Income Ratio,
|
VA_Guidelines.txt
|
f4812e9e-0419-4fe3-9a11-5f87a5858e96
|
Support, 4-61 Item 45, Debt-to-Income Ratio, 4-64 Item 46, Past Credit Record, 4-64 Itemized Fees and Charges, 8-3 Joint Loan Definition, 7-2 Joint Loan Quick Reference For Calculation, 7-7 Joint Loans for Prior Approval, 7-4 Joint Loans
|
VA_Guidelines.txt
|
db1a1233-b378-4bb0-ae1d-45de6964c3cd
|
.
|
VA_Guidelines.txt
|
98632e2d-1a06-495c-a499-ff7c8f37a5c8
|
See 7-2 thru 7-12 Joint Loans.
See Section 7.01 Joint Loans-Prior Approval, 1-3, 7-4 Jurisdiction Over the Lender’s Home Office, 1-49 Jurisdiction Restrictions, 17-19 Land Sale Contracts and Option Contracts, 9-8 LAPP Application, 15-19.
See 15-19, Exhibit 1 LAPP Cases, 13-24 I-6 VA Pamphlet 26-7, Revised LAPP Eligibility, 15-3 LAPP Fees.
|
VA_Guidelines.txt
|
e8a96810-6b7f-42ab-a06b-47884c48e4cb
|
See Chapter 15 LAPP Notice of Value, 13-29 LAPP Privilege, 15-14, 17-11 LAPP Processing Procedures, 15-15 LAPP—Related Changes to Appraiser’s Value Estimate, 13-9 Late Payments and Late Charges, 6-18 LDP as Reciprocal Action, 17-19 LDP Exceptions, 17-18 LDP Party Information, 17-20 LDP Time Period, 17-20 Lead/Water Distribution System, 13-19 Lead-Based Paint, 12-12 Lead-Paint Conditions, 13-16
|
VA_Guidelines.txt
|
6d5f30a8-91fd-4c4f-a216-596ff838eb33
|
Paint, 12-12 Lead-Paint Conditions, 13-16 Legal Instruments, 9-1 Lender Access to Training and Information, 1-48 Lender Appraisal Processing Program, 15-1 Lender Changes in its Corporate Structure
|
VA_Guidelines.txt
|
8b29cf68-1f97-4857-8541-5b73853cd870
|
.
|
VA_Guidelines.txt
|
09b44baf-dde3-4d96-9928-219a2b52e01e
|
See Section 1.09, Mergers and Acquisitions Involving Supervised or Nonsupervised Automatic Lenders Lender Changes, 15-13 Lender Experience Criteria, 1-13 Lender ID Numbers, 1-46 Lender is Supervised.
|
VA_Guidelines.txt
|
a664f7ac-4296-42cb-bb2c-1b0551f77c29
|
See Section 1.08, How a Supervised or Nonsupervised Automatic Lender Requests VA Recognition of an Agent Lender Procedures, 6-20, See Section 5
|
VA_Guidelines.txt
|
23652c43-dc1b-46f7-9cd7-0d8272342252
|
.02 Lender Quality Control System Requirements, 15-6 Lender Requirements, 15-3 Lender Responsibilities Under LAPP, 15-14 Lender Responsibility for VA Guaranteed Loans, 4-2 Lender Responsibility, 3-24 Lender Review of Sales Contracts on Proposed Construction, 9-18 Lender Timeliness, 13-6 Lender Use of Inspection Reports, 14-14 Lender/Agent Relationship.
|
VA_Guidelines.txt
|
4da7b183-468a-48e5-80c7-623a13f43cf9
|
See Section 1
|
VA_Guidelines.txt
|
796e869e-b8e7-414d-8cff-f986c4230fe3
|
.08, How a Supervised or Nonsupervised Automatic Lender Requests VA Recognition of an Agent Lender’s 1% Flat Charge, 8-6 Lender’s Loan Origination file, 14-10 Index Lender’s Use of 1% Flat Charge, 8-8 Lenders Definition and Authorities, 1-2 Lender's Staff Appraisal Reviewer, 13-7 Lenders That are Considered Supervised, 1- 9 Letters of Credit, 9-25 Liaison Criteria, 1-16 Lien Supported Assessment,
|
VA_Guidelines.txt
|
b2a597c4-c3cd-402b-a532-533157c56d06
|
Liaison Criteria, 1-16 Lien Supported Assessment, 13-13 Liens Covering Community-Type Services and Facilities, 9-13 Liens Held by Private Parties, 9-13 Liens, 9-1 Limitations and Conditions Not Affecting Value, 13-31 limitations on Borrower-Paid Fees, 8-2 Limitations on Use of Agents, 1-25 Limitations, 13-33 Limited Denial of Participation (LDP), 17- 18 Lines of Credit Criteria, 1-15 Liquidation
|
VA_Guidelines.txt
|
1c69763c-abce-4714-b776-0035d1b899cd
|
17- 18 Lines of Credit Criteria, 1-15 Liquidation Addendum
|
VA_Guidelines.txt
|
a6c0e754-10ac-4423-8b16-aeb4219fb86e
|
.
|
VA_Guidelines.txt
|
358b981d-fe70-4907-8498-3b852c52dbd0
|
See Section 11.08 Liquidation Appraisal Addendum Example, 11-27 Liquidation Appraisal Fees, 10-28 Liquidation Appraisal, 11-24, 11-25 List of all Repairs, 11-26 List of Eligible Loan Purposes, 3-5 List of VA Offices and Their Jurisdictions.
|
VA_Guidelines.txt
|
5b8fad62-4c3e-472e-8853-6a09d62ffd90
|
See Appendix A Loan Assumptions, 3-28 Loan Closing, 1-19 Loan Fees and Charges, 6-19 Loan Guaranty Certificate, 1-29, 7-10, 7-14 Loan Number, 5-5 Loan Proceeds not Fully Disbursed, 7-14 Loan Requirement, 1-45 Loan Submissions Involving Exempt Borrowers, 8-17 Loan to Refinance Exception, 3-9 Loans are Submitted for Prior Approval, 5-6 Loans Closed by an Automatic Lender.
|
VA_Guidelines.txt
|
a9730368-007f-4dd7-a278-77dee67a58e3
|
See Section 4
|
VA_Guidelines.txt
|
912752b4-086b-423b-bda0-0a6a7b4215b6
|
.08 Documentation for Automated Underwriting Cases Loans for Alteration and Repair, 7-21 Loans to Native American Veterans on Trust Lands, 7-42 Local Housing/ Planning Authority Code Requirements, 13-17 I-7 Index Location of SAR, 15-4 Location of the Regulations Internet Address, 16-28 Location-Related Property Problem, 10-13 Maintenance of Loan Records, 1-45, 3-29 Maintenance of VA Publications,
|
VA_Guidelines.txt
|
8eb22893-5258-41d8-a563-7bd67d792a74
|
1-45, 3-29 Maintenance of VA Publications, 15-7 Management Notification and Corrective Action, 15-7 Manufactured Home Classified as Real Estate, 10-24, 11-19, 12-20, 14-11 Market Value Appraisals, 11-25 Marketing Time and Trend, 11-12 Master Appraisal Fees, 10-28 Master Appraisal Reports, 11-17 Master Appraisals, 10-23 Master or Umbrella Association, 16-5 Materials Sent to the Borrower, 5-22
|
VA_Guidelines.txt
|
b0acb216-05c6-43f1-b324-b96fc7bd5db5
|
16-5 Materials Sent to the Borrower, 5-22 Maturity Extending Beyond the Maximum, 3-20 Maturity, 3-20 Maximum Guaranty on a VA Loan, 3-11 Maximum Guaranty, 6-20 Maximum Loan Amount Rules, 3-2 Maximum Loan Amounts, 3-8, 6-19, 7-28 Maximum Loan Term, 6-8 Maximum Loan, 3-8 Maximum Maturity, 3-20 Mechanical Systems for Basic MPRs, 12-6 Meets GNMA or Other Secondary Market Requirements, 3-10 Merger or
|
VA_Guidelines.txt
|
af865ab5-c191-495c-b0ee-bfe7623b1db6
|
Secondary Market Requirements, 3-10 Merger or Acquisition Scenarios, 1-34 Mergers and Acquisitions Involving Supervised or Nonsupervised Automatic Lenders, 1-31 Mileage Fee, 10-29 Minimum Property Requirements and Repairs, 11-15 Minimum Property Requirements, 12-1 Minimum Working Capital Or Net Worth Criteria, 1-15 Missed Inspections, 14-9 Missing Credit Documentation, 4-69 Mixed—Use Development,
|
VA_Guidelines.txt
|
bd020d73-970a-4e13-b2a1-a6a10b96c722
|
Credit Documentation, 4-69 Mixed—Use Development, 16-5 Modular Construction, 10-24 Moisture and Humidity Reduction, 12-23 Monetary Penalty, 17-6 Mortgagee Rights, 16-8 MPR Variations and Exemptions, 12-3 I-7 VA Pamphlet 26-7, Revised Nature of Exclusion, 17-4 28ction or Existing Homes not Previously Occupied, 7-32 New Construction, 10-18 New Farmer or New Farm Operation, 7-37 No Appraisal Due to
|
VA_Guidelines.txt
|
c9c5728b-2dad-4484-84fa-38bb02da9578
|
or New Farm Operation, 7-37 No Appraisal Due to Sanction, 10-15 No Duplicate Appraisals, 10-15 Non Procurement List, 17-4 Nonresidential Use for Basic MPRs, 12-6 Nonsupervised Automatic Lender Definition, 1-2 Nonsupervised Automatic Lender, 1-25 Nonsupervised Lenders Definition, 1-2 Not Inspected Acknowledgement, 13-18 Notice of Sanction, 17-13 Notice of Value Conditions and Requirements, 13-12
|
VA_Guidelines.txt
|
d87c415c-0141-4b85-96c0-107ed58df200
|
of Value Conditions and Requirements, 13-12 Notice of Value Contents, 13-11 Notice of Value for all Properties in a PUD or Condominium, 16-4 Notices of Value, 15-15 Notification of VA Decision, 1-18 Notification of VA Decision, 15-8 NOV fFrmat When Prepared by VA Staff, 13-11 NOV Format Under LAPP, 13-11 NOV Validity Length for Existing or New Construction, 13-25 NOV Validity Length for Proposed
|
VA_Guidelines.txt
|
bde4fad2-35d9-48cb-8a22-62b875872856
|
13-25 NOV Validity Length for Proposed or Under Construction, 13-25 NOV’s Issued by VA Staff, 13-24 Number and Distribution of Exhibit Sets, 10-23 Number of Joint Loan Units, 7-4 Obtaining an Inspection, 14-3 Obtaining Certificate of Eligibility, 5-3 Occupancy, 7-4 Occupancy After Retirement, 3-14 Occupancy by the spouse, 3-13 Occupancy Law, 3-13 Occupancy Requirement Certification, 3-16
|
VA_Guidelines.txt
|
9bc5129e-78cc-4a10-8f30-c8b73b3dbc16
|
3-13 Occupancy Requirement Certification, 3-16 Occupancy Rules, 3-2 Occupancy Within a “Reasonable Time”, 3- 14 Occupancy, 3-13, 7-4 Offsite Improvements, 13-20 Ongoing Agency Relationships, 1-11 Operated or Administered Project, 16-10 I-8 VA Pamphlet 26-7, Revised Order of Completion, 5-3 Origination and Liquidation Similarities, 11- 25 Other Administrative Fees, 1-42 Other Analysis Errors, 4-71
|
VA_Guidelines.txt
|
fd284675-3cd7-40f4-a29a-bdf78fcce586
|
Fees, 1-42 Other Analysis Errors, 4-71 Other Appraisal Request Restrictions, 10-15 Other Certifications, 1-21 Other Conditions & Requirements, 13-23 Other Market Analysis Considerations, 11- 12 Other Necessary Documents, 5-18 Other Parties Fees and Charges, 8-10 Other Program Participants, 17-14 Other Property Types, 11-19 Other Refinancing Loans, 6-23, 8-15 Other Regulatory Related Requirements,
|
VA_Guidelines.txt
|
f3469e52-3bcb-450c-ad60-c7ca898717e1
|
6-23, 8-15 Other Regulatory Related Requirements, 16- 4 Other Types of Income, 4-26 Other VA Requirements Exhibit, 16-12 Paid-in-Full Loans, 3-28 Partial Exclusion, 17-3 Partial Loss of Guaranty, 3-26 Partial Release of Loan Security, 11-19 Partial Release of Security, 10-12 Participant Also A Veteran, 17-2 Participant is an Entity, 17-16, 17-18 Participants Who Violate Statutory Provisions and
|
VA_Guidelines.txt
|
8536fb05-1ba5-415f-be79-2f422113f97e
|
Participants Who Violate Statutory Provisions and Regulations, 17-23 Participation Fees for Supervised and Nonsupervised Automatic Lenders, 1-40 Party Walls, 12-12 Payment Decrease/ Increase Requirements, 6-2 Penalty for Abuse, 13-9 Pending Sale of Real Estate, 34
|
VA_Guidelines.txt
|
04f06c70-4bed-4c37-90b4-b2c194053c3b
|
.
|
VA_Guidelines.txt
|
a2277234-7981-42ed-9c6d-e4e274eee23f
|
See Section 5.04, Conditional Commitments and Section 5
|
VA_Guidelines.txt
|
388b1746-eb6e-445e-9c1b-b7f8ea3910ab
|
.06, Submit "Other Necessary Documents" Permanent Investors Criteria, 1-16 Permanent Perimeter Enclosure, 12-23 Petition Under Chapter 13 of the Bankruptcy Code, 4-49 Photograph Requirements, 11-7 Piers and Footings, 12-22 Pit Privies, 12-15 Points be Included in the Loan, 3-18 Post-Guaranty Issues, 3-27 Potential Conflict With State, 13-10 Index Potential Master Appraisal Restrictions, 10- 17
|
VA_Guidelines.txt
|
6776ffd1-cd30-4747-aa71-521a199f0ff5
|
Potential Master Appraisal Restrictions, 10- 17 Potential Restriction to Veterans Under Contract, 10-16 Powers of Attorney Requirements, 9-15 Powers of Attorney, 9-15 Preparing Notices of Value, 13-11 Prepayment Penalties, 8-9 Prior Approval Lenders, 1-30 Prior Approval Loan Guaranteed, 3-25 Prior Approval Loan Procedures, 5-6 Prior Approval Loans, 4-4, 9-16 Prior Approval or Automatic Loan
|
VA_Guidelines.txt
|
9caed3c3-462e-49ab-8129-59dd93ab9ea0
|
Loans, 4-4, 9-16 Prior Approval or Automatic Loan Closing, 7-23 Private Road/Common Use Driveway, 13- 14 Probationary Period, 1-18, 17-13 Problem Solving with the Assignment System, 10-4 Procedure for Case Reviews, 15-11 Procedures the Lender Must Complete Before VA Issues Guaranty, 5-3 Processing Charge Clause, 9-3 Processing of IRRRLs
|
VA_Guidelines.txt
|
c1f70890-506b-4e41-8bff-20d8de8df32d
|
.
|
VA_Guidelines.txt
|
e25ed76b-4e60-4e49-b2c4-7199ae0d3478
|
See Section 6.02, IRRRL Made to Refinance Delinquent Loan Program Participants, 17-2 Properties in Coastal Barrier Areas, 11-21 Properties Near Airports, 11-22 Properties Not Eligible for Appraisal, 10-13 Properties Subject to Flooding, 11-21 Property Eligibility and Appraisal Requests, 10-1 Property Eligibility, 15-15 Property Not Likely to Meet MPRs, 10-13 Property to be Altered
|
VA_Guidelines.txt
|
7b588f6e-863b-4035-9bfb-1ddeecbb50d4
|
. 11-19 See Section 10
|
VA_Guidelines.txt
|
4ecbabe4-d365-4ba9-b1bc-4a0a193f95b9
|
.05 Property with Encumbrances, 9-12 Proposed Construction MPRs, 12-4 Proposed Construction, 13-20, See Chapter 12 Proposed or Under Construction - Manufactured Homes, 12-21 Proposed or Under Construction, 13-20, 13- 25 Protection Against Loss, 3-24 PUD Condominium Requirements, 13-14 PUDs and Condos, 11-20 Index Purchase of More than one Separate Residential Unit, 3-6 Purchase of Unimproved Land,
|
VA_Guidelines.txt
|
31cddafd-213c-401d-8a1e-f6d327062c12
|
Unit, 3-6 Purchase of Unimproved Land, 3-6 Purchase or Construction of a Combined Residential and Business Property, 3-6 Purchase or Construction of a Dwelling, 3-6 Purpose of Appraisal Report Review, 13-3 Purpose of Guaranty Rules, 3-2 Purpose of LAPP, 15-1 Purpose of Lender ID Numbers, 1-46 Purpose of MPRs, 12-1 Purpose of the Assignment System, 10-4 QC Review Criteria, 15-7 Qualification
|
VA_Guidelines.txt
|
d710e6ac-6d65-4df9-9276-bff8b8d2b41c
|
10-4 QC Review Criteria, 15-7 Qualification Criteria, 1-12 Qualifications or Limitations that Opinion May Include, 16-10 Qualified Inspectors, 14-12 Qualified Parties, 16-7 Qualified Underwriter(s) Criteria, 1-14 Quality Control Plan Criteria, 1-16 Quick Reference For Calculation of 2 Veteran on Joint Loans, 7-9 Real Estate Market Familiarity, 13-4 Reasonable Value of the Property, 5-3 Reasonable
|
VA_Guidelines.txt
|
cbafdbdd-f2f0-4d27-886c-b51e07dcfc1d
|
Reasonable Value of the Property, 5-3 Reasonable vs
|
VA_Guidelines.txt
|
4ef9f950-7ac1-4af2-8c8f-0379f667097c
|
.
|
VA_Guidelines.txt
|
40a7edbe-0e77-4d2c-9b4c-2efa9460ade9
|
Market Value, 11-3 Reasons for Lender Check, 17-5 Receiving Cash at Closing, 6-5 Recognizing a Supervised Lender, 1-10 Recording of Documents, 16-8 Reduced-Size Plans, 10-23 References for Reviewing Appraisal Reports, 13-3 Referral to VA, 13-6 Refinance Delinquent Loan, 6-15 Refinancing Loans
|
VA_Guidelines.txt
|
e53d2df2-d834-4369-b793-7824707e99db
|
. 5-2, See Chapter 6 Refinancing of Construction Loans, 3-18 Refinancing, 10-12 Refunding Overpayments to the Veteran, 8- 21 Regular Refinancing Loan Exception, 3-8 Reimbursement out of IRRRL Proceeds, 7- 20 Re-inspection, 14-9 Remaining Economic Life of Improvements, 11-16 Remitting the Funding Fee to VA, 8-20 Rent and Mortgage Payment History, 4-45 Rental Income, 4-23 I-9 VA Pamphlet 26-7,
|
VA_Guidelines.txt
|
fedd0dd6-5eed-4dcd-ad45-ec67ebab25eb
|
4-45 Rental Income, 4-23 I-9 VA Pamphlet 26-7, Revised Repairs, 13-16 Replacement of Missing LGC, 3-27 Report Loan Closing and Request Guaranty, 6-17 Request a Change on a NOV, 13-26 Request for VA Approval
|
VA_Guidelines.txt
|
016c6b54-e168-487b-8e90-444ad470b96f
|
.
|
VA_Guidelines.txt
|
c6aff1d7-6f2b-4a27-a55d-e506876f8fd8
|
See Section 16- A
|
VA_Guidelines.txt
|
a86a21e9-9556-43dc-bd8e-f1504e521355
|
.03 Requesting an Inspection, 14-3 Required Appraiser Certification, 11-17 Required Construction Exhibits, 10-22 Required Inspections, 14-11 Required Lien and Maximum Loan Term, 7- 23 Required Submissions for Mergers and Acquisitions, 1-31 Requirement to Notify VA, 13-30 Requirements for Cash to the Veteran from Loan Proceeds, 3-7 Requirments for Establishing an Escrow, 9- 22 Resale of Properties,
|
VA_Guidelines.txt
|
4b57c7f5-c237-4365-b400-ce9b13b27690
|
an Escrow, 9- 22 Resale of Properties, 9-5 Residual Income, 4-65 Resolving LAPP Appraisal Review Problems, 13-5 Responsbilities of Lender, 17-14 Restrictions on the Purchase, 9-5 Restrictions That Do Not Require VA Approval, 9-7 Restrictions that Require VA Approval, 9-6 Review on Each Loan Reported, 5-22 Reviewing Appraisal Reports, 13-3 Role of Staff Appraisal Reviewer (SAR), 15-3 Roof
|
VA_Guidelines.txt
|
1685bfcc-c756-4eab-8bc6-982d74826856
|
Role of Staff Appraisal Reviewer (SAR), 15-3 Roof Covering, 12-8 Sales Comparison Approach, 11-9 Sales Contract Procedures, 9-18 Sales Dates, 11-10 Sales Listings and Contract Offers, 11-13 Sales or Financing Concessions, 11-12 Sales Price Accommodation, 11-5 Sales Price Range, 11-10 Sanctions For Prior Acts Criteria, 1-16 Sanctions, 17-1 SAR Certification Placement, 13-7 SAR Certification, 13-8
|
VA_Guidelines.txt
|
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