source:
  type: regulation
  id: va-m26-7-ch05
  authority: "VA Lender Handbook M26-7 Chapter 5 — How to Process VA Loans and Submit Them to VA"
  description: 'VA Pamphlet 26-7 Chapter 5 governs lender processing of VA loans.

    '
obligations:
- id: va-m26-7-ch05-nov-compliance-evidence
  canonical_id: va-m26-7-ch05-nov-compliance-evidence
  section: "VA M26-7 Ch. 5 — Notice of Value (NOV) Compliance"
  description: '[LENDER] must obtain evidence of compliance with any Notice of Value

    (NOV) requirements issued by the Staff Appraisal Reviewer after the

    appraisal review.

    '
  type: do
  audit_question: For every VA loan where a Notice of Value was issued with NOV requirements (repairs, conditions, etc.), can [LENDER] evidence in the file that each NOV requirement was satisfied prior to closing?
  workflow_phase: origination
  owner_role: loan_officer
  secondary_owner_role: underwriter
  cadence: per_loan
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - va
  - m26-7
  - ch05
  - nov
  - appraisal
  - promoted
  primary_source:
    tier: 1
    authority: "VA Lender Handbook M26-7 Chapter 5 — How to Process VA Loans and Submit Them to VA"
    source_class: va-handbook-m26-7
    source_url: https://benefits.va.gov/WARMS/M26_7.asp
    snapshot_id: 13ca1f98805e1a58
    fetched_at: '2026-05-23T01:50:00Z'
    content_hash: sha256:90ed18e04de81cd5072c187243efc82c729509a4244a5ab176844838f090b134
    paragraph_quote: 'WebLGY. The lender must obtain evidence of compliance with any NOV '
    drafter_attestation: "Copied verbatim from VA Handbook snapshot 13ca1f98805e1a58 (M26-7 Ch. 5 — NOV Compliance) at 2026-05-23. Source PDF retrieved via Wayback Machine."
  promoted_at: '2026-05-23T02:03:23+00:00'
  promoted_from: va-m26-7-ch05-roundb-v1.yaml
  program_review: Does the program ensure evidence of compliance with any NOV requirements (repairs, conditions) issued by the SAR is obtained before closing?
  file_review: Spot-check files with NOV conditions; confirm each NOV requirement was satisfied and evidenced before closing. The officer judges whether the compliance evidence adequately discharges the NOV condition.
  judgment: true
- id: va-m26-7-ch05-fflr-submit-via-weblgy
  canonical_id: va-m26-7-ch05-fflr-submit-via-weblgy
  section: "VA M26-7 Ch. 5 — Full File Loan Review Submission via WebLGY"
  description: 'For Full File Loan Review (FFLR), [LENDER] must use WebLGY, accessed

    via the Veterans Information Portal, to submit all requested

    documents.

    '
  type: do
  audit_question: For every VA loan selected for Full File Loan Review, can [LENDER] evidence that all requested documents were submitted to VA via WebLGY (accessed through the Veterans Information Portal), not through any other channel?
  workflow_phase: origination
  owner_role: loan_officer
  secondary_owner_role: compliance_officer
  cadence: per_loan
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - va
  - m26-7
  - ch05
  - fflr
  - weblgy
  - promoted
  primary_source:
    tier: 1
    authority: "VA Lender Handbook M26-7 Chapter 5 — How to Process VA Loans and Submit Them to VA"
    source_class: va-handbook-m26-7
    source_url: https://benefits.va.gov/WARMS/M26_7.asp
    snapshot_id: 13ca1f98805e1a58
    fetched_at: '2026-05-23T01:50:00Z'
    content_hash: sha256:90ed18e04de81cd5072c187243efc82c729509a4244a5ab176844838f090b134
    paragraph_quote: 'Full File Loan Review (FFLR). Lenders must use WebLGY, accessed via the '
    drafter_attestation: "Copied verbatim from VA Handbook snapshot 13ca1f98805e1a58 (M26-7 Ch. 5 — FFLR submission) at 2026-05-23. Source PDF retrieved via Wayback Machine."
  promoted_at: '2026-05-23T02:03:23+00:00'
  promoted_from: va-m26-7-ch05-roundb-v1.yaml
  program_review: Does the program ensure FFLR documents are submitted to VA exclusively via WebLGY (accessed through VIP), not through any other channel?
  file_review: Spot-check FFLR-selected loans; confirm all requested documents were submitted via WebLGY.
  judgment: false
- id: va-m26-7-ch05-deficiency-response-30-days
  canonical_id: va-m26-7-ch05-deficiency-response-30-days
  section: "VA M26-7 Ch. 5 — Deficiency Letter Response Timeframe"
  description: '[LENDER] must upload a response in WebLGY within 30 calendar days

    of receipt of any deficiency letter from VA requesting clarification

    or additional documentation. Failure to respond can lead to

    non-compliance affecting the lender''s automatic authority.

    '
  type: do
  audit_question: For every VA deficiency letter received from VA requesting clarification or additional documentation, can [LENDER] evidence that the response was uploaded in WebLGY within 30 calendar days of receipt?
  workflow_phase: origination
  owner_role: loan_officer
  secondary_owner_role: compliance_officer
  cadence: per_event
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - va
  - m26-7
  - ch05
  - deficiency-response
  - weblgy
  - promoted
  primary_source:
    tier: 1
    authority: "VA Lender Handbook M26-7 Chapter 5 — How to Process VA Loans and Submit Them to VA"
    source_class: va-handbook-m26-7
    source_url: https://benefits.va.gov/WARMS/M26_7.asp
    snapshot_id: 13ca1f98805e1a58
    fetched_at: '2026-05-23T01:50:00Z'
    content_hash: sha256:90ed18e04de81cd5072c187243efc82c729509a4244a5ab176844838f090b134
    paragraph_quote: 'Lenders must upload a response in WebLGY within 30-calendar days of '
    drafter_attestation: "Copied verbatim from VA Handbook snapshot 13ca1f98805e1a58 (M26-7 Ch. 5 — Deficiency Response) at 2026-05-23. Source PDF retrieved via Wayback Machine."
  promoted_at: '2026-05-23T02:03:23+00:00'
  promoted_from: va-m26-7-ch05-roundb-v1.yaml
  program_review: Does the program track the 30-day clock so a response to any VA deficiency letter is uploaded in WebLGY within 30 calendar days of receipt?
  file_review: Spot-check VA deficiency letters; confirm the WebLGY response was uploaded within 30 calendar days of receipt.
  judgment: false
_promotion_history:
- promoted_at: '2026-05-23T02:03:23+00:00'
  candidate_path: obligations\_remediation\_round_b_drafts\va-m26-7-ch05-roundb-v1.yaml
  candidates_promoted: 3
  candidates_skipped_existing: 0
