CHAPTER 12: PROPERTY AND APPRAISAL . This is the handbook that will be followed for all VA programs. CODES (Just Now) Ten copies of VA Form 10-1313-1, Merit Review Application, and VA Form 10-1313-2, Summary Description of Program, duplicated back-to-back. In addition, a field review by VA Regional Loan Center (RLC) staff will not be completed in conjunction with the ROV request. Va lenders handbook chapter 10 On March 16th, 2020, the Department of Veterans Affairs (VA) issued Circular 26-20-7 which includes guidance for appraisers regarding COVID-19. Proof of Service . Lava Flow Zones 1 and 2. been calculated to meet VA requirements. The standards are set forth in Chapter 4 of the VA’s Lenders Handbook (VA Pamphlet 26-7). An IRRRL is a VA-guaranteed loan made to refinance an existing VA- Veterans United ranks No. DOCUMENT OVERVIEW Purpose The following document describes the responsibilities and requirements of the Carrington HUD-1, settlement statement. Net Tangible Benefit must be met, per VA Lenders Handbook and VA Circulars All IRRRLs require a 36-month recoupment regardless of a term reduction or refinance from ARM to fixed rate. The implementation dates for the changes vary, but VA has confirmed to us that when the requirements of a chapter conflict with new changes, lenders can implement the changes to be effective at an earlier date. 1 in Customer Ratings for VA purchase lenders, according to ratings and reviews collected by TrustPilot. Various NCUA regulations, state laws, and federal consumer Here’s the proof for the actual VA guideline related to homes with excess land or as VA calls it – farm residences. The Federal Housing Administration's (FHA) Single Family Housing Policy Handbook 4000.1 (SF Handbook) is a consolidated, consistent, and comprehensive source of FHA Single Family Housing policy. How is the VA appraisal process different? (3) Recruiting Candidates External to the Organizational Entity and VA (a) Consistent with 5 CFR 330.402(b), VA HR offices are prohibited from noncompetitively filling a restricted position with a nonpreference eligible without IRRRLs must result in lowerregular monthly payments that allow the borrower to recoup closing costs and/or , VA Guidelines Updated August 28, 2020 www.cmgfi.com Information in these guidelines is for credit policy guidance only and is not a complete representation of CMG Financial (NMLS #1820) Lending Policies. recoupment calculation. 04/10/19 2.8 Revised Amount of Guaranty and Entitlement Use to add Eligibility is determined by VA and documented on the Certificate of Eligibility (COE). The roof is simply another item on their list. It is now titled Special Handling and has been revised to facilitate processing of loans when special attention is required and to incorporate all applicable Circulars. It is now titled Special Handling and has been revised to facilitate processing of loans when special attention is required and to incorporate all applicable Circulars. VA Products - VA Interest Rate Reduction Refinance Loans (IRRRL) Recoupment Policy, VA Lenders Handbook Chapters 2, 5 and 12, Conventional Products - Alimony or Maintenance Payments - LPA, Condominiums - LPA, Power of Attorney - Initial 1003, Rental Income: 2019-14: 06/10/2019 February 18, 2021 - 13 min read VA IRRRL rates and requirements for 2021 October 2, 2020 - 10 min read Before making a 20% mortgage down payment, read this May 6, 2021 - 12 min read It is located in the VA Lenders Handbook-VA Pamphlet 26-7. 7. a. Save or instantly send your ready documents. Background. See chapter 10, section 6. Chapter 10 The Appraisal Process. VA Pamphlet 26-7, Revised Chapter 6: Refinancing Loans . However, the VA states that if a lender’s “proprietary method [of income and employment verification] is impacted due to temporary business closures, the lender should use … VA Pamphlet 26-7, Revised Table of Contents i Table of Contents Chapter 1-The Lender Overview..... 1-1 Continue → VA Loan Basics VA Loans vs Other Mortgages. Lenders must ensure the property to be purchased is eligible for the SFHGLP. Compliance risk. Veterans Affairs. Financial Institutions and Services Chapter 16. Chapter 5 (How to Process VA Loans and Submit Them to VA) has been revised to reflect updates to VA systems, facilitate expeditious […] Washington, DC 20420 October 17, 2019 . Bulletin COR 19-049: VA Lenders Handbook Chapter 9 Revisions 10/25/2019 Bulletin COR 19-048: FHA Condominium Revisions 2. • VA staff will review the appraisal report, additional data submitted, as well as the market data available through VA’s Appraisal Management System (AMS). April 2021 Pennsylvania Housing Finance Agency ~ www.phfa.org PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNERSHIP PROGRAMS SELLER’S GUIDE The Pennsylvania Housing Finance Agency (PHFA) was created by the General Assembly in 1972, Credit requirements may vary for loans originated with the assistance of the Guaranteed Underwriting System (GUS) as compared to those manually underwritten. The standard requirements for processing the ROV, as outlined in VA Lenders Handbook, Chapter 10 Appraisal Process (NEW), Section 22, apply. 11, 3-d: USPAP (07/20/07) Ch. NONSUPERVISED LENDER'S NOMINATION AND RECOMMENDATION OF CREDIT UNDERWRITER online with US Legal Forms. Conflict of Interest − VA Policy 10 Chapter 2: THE APPRAISAL SYSTEM (TAS) 12 The Assignment Process 12 Monitoring Your TAS Account 13 ... Handbook and the Lenders Handbook, the Lenders Handbook will be considered the controlling document. This is an easy way to find things you are looking for regarding VA loans. Chapter 10 LOANS TABLE OF CONTENTS PART PART I LOANS . REQUIREMENTS . Lenders may hold funds in escrow for repairs to be completed after closing. Share List . VA loan rules for appraisals are found in the VA Lender’s Handbook Chapter 10, which explains a great deal about the process and what’s required. This violates a unit owner’s ability to dispose of the unit as the owner sees fit. VA Form 26-1820, Report and Certification of Loan Disbursement. This limit only exists because a lender has added their own additional guideline. Change 23: Chapter 1 – Effective date: February 1, 2019 9 VA Lender’s Handbook, chapter 3, topic 11. In 2020, Veterans United closed 60,462 VA Purchase Loans, which was 9% of all VA Purchase Loans closed nationwide last year. Docu Prep updated the form. VA Handbook Updates Chapter 7, Special Handling VA has updated and renamed Chapter 7, Loans Requiring Special Underwriting, Guaranty and Other Considerations. Chapter 12 of the Lenders Handbook on the VA home loan benefits page is a useful resource. Chapter 4 of the Lenders Handbook, VA » VA's underwriting standards are intended to provide guidelines for lenders'… based on sound application of the underwriting standards, and underwriters. (e) Subject to the limitations set out in paragraph (e)(4) of this section, a fee must be paid to the Secretary. RESCISSION: VA Handbook 7002, Logistics Management Procedures, dated July 10, 2009 and VA Handbook 7002/1, Logistics Management Procedures, dated April 14, 2011. Docu Prep updated the Power of Attorney Certification to match small changes made in VA’s recently published updates to VA Lenders Handbook, Chapter 9(8)(c). To get a loan, the veteran must apply to a lender. To: Lenders and Other Participants in the VA Home Loan Guaranty Program Subject: Transmittal of VA Lenders Handbook, Chapter 13, Notices of Value, Revised . Effective January 1, 2012, VA appraisal reports utilizing Fannie Mae Forms 1004, 1073, 1075, or 2055 must by Uniform Appraisal Dataset (UAD) compliant. For VA mortgage, 125% can be used when grossing up income. Public tools for Guaranty Calculator, Builder Search, Condo Report and other links can be found at the bottom … Easily fill out PDF blank, edit, and sign them. Refer to the . Information concerning VA Funding Fee may be found in Chapter 8 of the VA Lender's Handbook. Lenders may hold funds in escrow for repairs to be completed after closing. 7. 4.510 Return of Process (Va. Code § 8.01-325.) Accessed Nov. 5, 2020. The borrower must have made their payments on time for at least one year. VA announced in VA Pamphlet 26-7 Revised, dated July 30, 2019, that Chapter 9 of the Lenders Handbook was revised in its entirety. Refer to section 7-9 of this chapter for information on reporting VA Lender’s Handbook, Chapter 2 - Veteran’s Eligibility and Entitlement for service eligibility requirements. The VA Lender’s Handbook, VA Pamphlet 26-7, has instructions to your loan officer in Chapter Four that explains what your lender is supposed to do with your residual income information. If the required VOE documentation cannot be obtained U.S. Bank and its lenders will not follow VA guidance allowing the borrowers to close with 2 months cash reserves. Learn how a Chapter 7 or Chapter 13 bankruptcy can affect you ability to get a VA home loan, or how low late payments affect your loan and the possibility of foreclosure if your mortgage goes unpaid. Get approved for a loan and check va rates. Public tools for Guaranty Calculator, Builder Search, Condo Report and other links can be found at the bottom … This policy applies to all student loan repayment types. Do not distribute externally. Lenders must comply with the revisions made to chapters 2, 5, and 12 of the VA Lenders Handbook for the following topics: Minimum Property Requirements, Certificate of Eligibility and … Transaction Type • Purchase • Rate/Term Refinance Chapter 10 Appraisal Process (download). interest rate than the existing VA loan with lower principal & interest payments than the existing VA loan. Interest Rate Reduction Refinancing Loans (IRRRLs) Change Date . 2. VA revised chapters 2, 5 and 12 of the Lender’s Handbook (M26-7). The VA Program uses a residual income analysis to determine your ability to qualify for a mortgage. Veterans and service members seeking a VA home loan should know that properties must meet the Department of Veterans Affairs’ Minimum Property Requirements (MPRs) in order to satisfy both the VA and lenders. For 50 years, Ginnie Mae has provided liquidity and stability, serving as the principal financing arm for government mortgage loans and ensuring that mortgage lenders have the necessary funds to provide loans to customers. (iii) Each active-duty member who applies for a loan must be counseled through the use of VA Form 26-0592, Counseling Checklist for Military Homebuyers. The Agency’s minimum property requirements serve to protect the borrower’s interest, minimize the lender’s loss, and reduce the potential risk to the government in the event of liquidation. c. Twenty-five copies of the proposal duplicated back-to-back (stapled). The Lenders Handbook is the bible in the world of VA and since I spent about 10 min trying to wade through the website finding it, I thought I would put a quick link here for your use and mine as well. Proposed construction in Airport Clear Zone. For Internal use only. Therefore, Circular 26-19-17 is changed as follows: If no annual financial data was available, VA assumed the lender was a small business. For Agency provided training, any of the State Offices can arrange training for lenders and their staff members. The VA lenders handbook chapter 3 talks about the VA guaranteed loan. Benefits.va.gov The VA Lender’s Handbook, VA Pamphlet 26-7, has instructions to your loan officer in Chapter Four that explains what your lender is supposed to do with your residual income information. Background Information VA published updates to VA Lenders Handbook 26-7 Chapter 9. If you want any information on the codes that we didn’t cover, these can be found in Chapter 2, Section 9 of the VA Lenders Handbook. What is an IRRRL? IRRRLs must result in lowerregular monthly payments that allow the borrower to recoup closing costs and/or , Lenders are going to lend whichever is less between the purchase price and the home’s fair market value. The VA put MPRs in place to try and help safeguard borrowers from purchasing properties that are not safe, sound or sanitary. The Agency encourages lenders to attend or participate in training provided by the Agency or other approved methods, as outlined in Chapter 3 of this Handbook. VA Loan Limits VA Pamphlet 26-7 is the Lenders Handbook for Mortgage Loans. Tags: radon gas, va. "VA Lender’s Handbook." VA Pamphlet 26-7, Chapter 10 Appraisal Process (NEW), Section 23, Topic b. ... and other criteria as specified in HUD Handbook 4060.1, Mortgagee Approval Handbook, HUD Handbook 4700.2. Certifications found in Chapter 10 Figure 1 of VA Lender’s Handbook (on builder’s letterhead) VA Form 26-421, Equal Employment Opportunity Certification VA Form 26-8791, VA Affirmative Marketing Certification Hint: The list of useful links on the WebLGY homepage can be used to locate NOVs, appraisal records, Section 2.23 June 3, 2016 Veteran’s Administration Lenders should refer to the VA Lender’s Handbook (also known as VA Pamphlet 26-7). VA/Lender's Handbook/Chapter 11.: Appraisal Requirements (07/20/07)/Ch. In addition, a field review by VA Regional Loan Center (RLC) staff will not be completed in conjunction with the ROV request. and focuses his work on appeals and post-conviction in the state and federal courts. VA Appraisal Overview. the Mortgage Payment history, for any Mortgage trade line reported on the credit report used to score the application, requires a downgrade as defined in Handbook 4000.1 II.A.4.b.iii (K) – Housing Obligations/Mortgage Payment History; the Borrower has undisclosed mortgage debt that requires a downgrade; or Please also keep in mind that there have been 4 changes added to this Handbook since January 2001, that must be incorporated into the Lenders Handbook. Lenders must submit a signed and dated VA Form 26-0592 with each prior approval loan application or automatic loan report involving a borrower on active duty. WebLGY on May 21, 2018. 6-2 . The seasoning period of 6 to 12 months, gives lenders a chance to see how you pay your mortgage. VA has published updates to the Lenders Handbook for Chapter 7 - Loans Requiring Special Underwriting, Guaranty, and considerations and Chapter 10 - Appraisal Process If you’re wondering what these requirements actually look like, there’s a full chapter of the Lenders Handbook (VA Pamphlet 26-7) dedicated to appraiser criteria. Chapter 13 of the VA Lender’s Handbook is dedicated to the VA’s Value Notices. [NEW – 4000.1 Handbook Old Guidance vs. New Guidance Chart] VA-Revision of Lenders Handbook-Chapter 7 [Loans Requiring Special UW] and Chapter 10 [Property Eligibility & Appraisals] Dated March 19, 2019 – Effective June 9, 2019 Properties Not Eligible for Appraisal:--Lenders must make determination at earliest possible opportunity-Appraisers have been instructed to stop work on an appraisal if the property is found to be ineligible. For Agency provided training, any of the State Offices can arrange training for lenders and their staff members. The DTI ratio is an important risk metric for lenders. In addition, a field review by VA Regional Loan Center (RLC) staff will not be completed in conjunction with the ROV request. Getting A VA Loan After Chapter 13 Bankruptcy. VA Handbook, Chapter 12: Minimum property requirements ** VA allows for singlewides although we currently cannot finance these. It has become quite easy these days to edit your PDF files online, and CocoDoc is the best tool you would like to use to do some editing to your file and save it. 10 – Gulf War 11 – Selected Reserves 05 – Entitlement Restored. As outlined in Chapter 12 of the VA Lenders Handbook (VA Pamphlet 26-7), VA requires that all properties, including foreclosed properties, be in a condition that meets VA MPRs, or that the property must be repaired to meet the MPRs prior to loan guaranty. Comments (10) Trackback URL | Comments RSS Feed. Chapter 6 VA Appraisal Report Requirements . Many counties in … Purpose. Like FHA, the VA doesn’t allow third-party or Board approval of buyers and tenants. Lenders handbook va pamphlet 26 7. Information on VA lender approval processing is in Chapter 1 of the VA Lenders Handbook: ... U.S. Department of Veterans Affairs | 810 Vermont Avenue, NW Washington DC 20420. 11, 3: VA Appraisal Requirements (07/20/07)/Ch. VA will exercise latitude with lenders during this transition. 2. Repair certifications which may involve lead-based paint must still be completed by a fee appraiser; however, the lender can escrow for future inspection and costs with a third-party. VA loans will pay back lenders 25% of a VA loan balance in the case of default. How Old Can a Manufactured Home be for VA Financing? In cases where the This guideline is outlined on page 64 of chapter 4 of the Lenders Handbook -VA Pamphlet 26-7. In plain terms, a borrower’s total monthly recurrent debt payments should amount to less than 41% of his or her gross monthly income to be qualified for a VA home loan. As you’ve read, there are exceptions to that rule. CURRENT SERVICING 1.01 General Holders are expected to service VA loans in conformity with procedures customarily used by prudent lenders in servicing portfolios of similar conventional loans. Active Chapter 13 bankruptcies require trustee approval, Chapter 7 bankruptcies may require copy of discharge to [NEW – 4000.1 Handbook Old Guidance vs. New Guidance Chart] VA-Revision of Lenders Handbook-Chapter 7 [Loans Requiring Special UW] and Chapter 10 [Property Eligibility & Appraisals] Dated March 19, 2019 – Effective June 9, 2019 April 10, 2009, Change 11 • This section has been changed to update hyperlinks and to make minor grammatical edits. Veteran's Affairs. Get Free Va Construction Safety Guidebook Va Construction Safety Guidebook As recognized, adventure as capably as experience nearly lesson, amusement, as without difficulty as settlement can be gotten by just checking out a ebook va construction safety guidebook as well as it is not directly done, you could agree to even more all but this life, a propos the world. Of all VA lenders, data showed 324 lenders (22%) met the small business definition. However, the VA states that if a lender’s “proprietary … (1) The fee on loans to veterans shall be as follows: (i) On all interest rate reduction refinancing loans guaranteed under 38 U.S.C. Continue → No Property Taxes for 100% Disabled Vets. va lenders handbook chapter 9; va loan homeowners insurance requirements; va renovation loan; A quick direction on editing Va escrow holdback Online. Department of veterans affairs va and offered by many lenders across the country. VA appraisals can only be carried out for VA home loans on properties that are eligible for the loans, so only homes within the United States and its territories or protectorates. A tolerance of four cents per thousand is permitted. A link to the VA Lenders Handbook, Chapter 12, explaining the revision can be found here (See 12-42). Letter of Explanation required addressing all credit related events and lack of traditional credit within the past 2 years on manually approved loans. This checklist provides a quick reference for the Basic MPRs and can be used to assist you in determining whether a property satisfies VA MPRs. 4 VA HANDBOOK 5021/10 NOVEMBER 8, 2012 PART II CHAPTER 1 2. Purpose. Although, you will see that VA allows buying a farm residence, still many lenders shy away from this guideline. VA Lender’s Handbook, Chapter 2 - Veteran’s Eligibility and Entitlement for specific minimum length of service requirements. This chapter discusses the Agency’s criteria to assess and document the credit history of a loan file. Who is Exempt from Paying The VA Lender’s Handbook, Chapter 2 - Veteran’s Eligibility and Entitlement for service eligibility requirements. These are different from the appraisal reports that we talked about in Chapter 11. This Circular supplements the Department of Veterans Affairs (VA) Lenders Handbook, Chapter 8, Topic 8, The VA Funding Fee, and updates Chapter 6, Refinancing, concerning Interest Rate Reduction Refinancing Loans (IRRRLs). The standard requirements for processing the ROV, as outlined in VA Lenders Handbook, Chapter 10 Appraisal Process (NEW), Section 22, apply. Repair certifications which may involve lead-based paint must still be completed by a fee appraiser; however, the lender can escrow for future inspection and costs with a third-party. Each loan type has various degrees of compliance risk. According to Chapter 16 of the VA’s Lenders Handbook (VA Pamphlet 26-7), the VA doesn’t allow: 1. If the house falls short of the VA or lender guidelines, the lender will likely decline the loan. If you’re looking at buying a house, chances are the house has already been inspected at least once. Chapter 6, Section A HUD 4155.2 6-A-4 1. In this handbook, chapter 13 mortgage guidelines are explained in detail The main items that need to be addressed are manual underwriting requirements and trustee permission to enter a new mortgage Anytime a bankruptcy is detected on your credit report, your file will be downgraded to a manual underwrite VA-Revision of Lenders Handbook-Chapter 7 [Loans Requiring Special UW] and Chapter 10 [Property Eligibility & Appraisals] Dated March 19, 2019 – Effective June 9, 2019 Written By: Tracey Rumsey, Staff Writer Heads Up VA originators, processors, underwriters and operations staff. VA Lender’s Handbook, Chapter 2 - Veteran’s Eligibility and Entitlement for specific minimum length of service requirements. Underwriting Guidelines (VA) Mortgage Lending Division Version 5.9 – 03/22/21 CMS Policies & Procedures Page 2 of 306 Proprietary and confidential. Chapter 2 (Veteran’s Eligibility and Entitlement) has been revised to reflect updates to VA systems and incorporate all appropriate Circulars. •VA to VA refinance only •The VA wants to help qualified Veterans •One of the last true streamline products Check Lenders guidelines which may differ from what is outlined in the VA Lenders Handbook Refer to the . Source: VA. 1. Pamela Foster says: October 28, 2019 at 10… That means if you’re under contract at $250,000 but the home’s appraised value … General Loan Closing Requirements, Continued 4155.2 6.A.1.e Factors for Principal and Interest Payments Lenders may use a six-digit factor for the monthly principal and interest payment. Chapter 1 has been revised to provide lenders with updated information to assist them in obtaining automatic authority from VA, to encourage lenders with automatic authority to use it to the maximum extent possible and to incorporate all applicable outstanding Circulars. • Refer to the VA Lenders Handbook, Chapter 4.10.d for list of acceptable compensating factors • DTI in excess of 41% also requires 120% of the residual income requirement Compensating Factors • Excellent credit history, • Conservative use of consumer credit, • Minimal consumer debt, • Long-term employment, Chapter Two of the handbook addresses issues related to VA loan entitlement and reusing that entitlement to buy another property. Purpose. The standards are set forth in Chapter 4 of the VA’s Lenders Handbook (VA Pamphlet 26-7). Chapter 11: Appraisal requirements, Topic 12. Chapter 10 … What makes a property VA-approved? Please continue to refer to Chapter 8 of VA Lenders Handbook (M26-7) for information about allowable fees, expenses, and closing costs. Department of Veterans Affairs VA Handbook 7002 Washington, DC 20420 Transmittal … This is a good start va handbook 5021 2020 Not everone is as lucky as you This Circular supplements the Department of Veterans Affairs (VA) Lenders Handbook, Chapter 8, Topic 8, The VA Funding Fee, and updates Chapter 6, Refinancing, concerning Interest Rate Reduction Refinancing Loans (IRRRLs). The standard requirements for processing the ROV, as outlined in VA Lenders Handbook, Chapter 10 Appraisal Process (NEW), Section 22, apply. CHAPTER 24. (3) Income reliability. 1. 11, 3-d: USPAP (07/20/07) Every VA appraisal must meet the USPAP requirements. This part describes the requirements associated with the two primary ways lenders transact business with Fannie Mae: selling whole loans for cash and pooling loans into Fannie Mae mortgage-backed securities (MBS), which includes Uniform Mortgage-Backed Securities (UMBS). 09/25/18 2.7 Revised Net Tangible Benefit requirements to add rate reduction of VA Appraisal Basics. Completed 10… In short, the VA wants to make sure that you have sufficient income leftover after accounting for your monthly debt expenses including your mortgage payment, property tax, homeowners insurance as well as other debt expenses including credit cards, personal, auto and student loans. Appraisers are encouraged to continue business in accordance with Chapter 10 of the M26-7 Lender’s Handbook. Included FECC Allowable fees and charges o Included in the loan amount o Paid outside of closing Credit report Appraisal fee 1 (if applicable and the lender From the FHA Handbook: “A Chapter 13 bankruptcy does not disqualify a borrower from obtaining an FHA mortgage provided the lender documents that one year of the payout period under the bankruptcy has elapsed and the borrower’s payment performance has been satisfactory (i.e., all required payments made on time). Your buyer’s loan officer will also be a key player in the transaction. Funding Fee Guidance to Lenders and Servicers . VA Lenders Handbook (VA Pamphlet 26-7) Key chapters for appraisers: • Chapter 10 covers property eligibility and appraisal requests • Chapter 11 covers appraisal requirements • Chapter 12 covers minimum property requirements. VA Handbook H26-94-1 1-2 CHAPTER 1. Because VA loans are provided by private lenders, the guidelines, maximum home loan amount, and steps, all may vary slightly from state to state. VA Lender's Handbook Published 08/09/2012 12:44 PM | Updated 06/27/2017 08:08 AM Where can I find a copy of the VA Lender's Handbook (VA Pamphlet 26-7)? VA Pamphlet 26-7, Chapter 10 Appraisal Process (NEW), Section 23, Topic b. The exact specifications for the roof are found in the VA Pamphlet 26-7, specifically in the Lender’s Handbook in Chapter 12 under the Minimum Property Requirements. Loan Guaranty: lgy.va.gov is now open for business After registering with AccessVA, you will be able to work in the new Loan Guaranty site. New lenders who request participation in the SFHGLP by submitting Form RD 3555-16 will This limit only exists because a lender has added their own additional guideline. • In some cases, VA staff may conduct a field review • If VA staff determines that an increase in value is appropriate, VA will issue an amended NOV 6 Chapter 10 The Appraisal Process Proof of Service . VA loans are not provided by the Veterans Affairs, but rather by private lenders, such as mortgage companies and banks. This chapter contains information on the full range of VA … If you made less than 12 payments, the VA may allow you to refinance, but you cannot have any late payments within that time. VA loan rules for appraisals are found in the VA Lender’s Handbook Chapter 10, which explains a great deal about the process and what’s required.

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