source:
  type: guide
  id: va-m26-7-ch01-t06
  authority: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 1, Topic 6 — How a Non-supervised
    Automatic Lender Requests
  description: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 1, Topic 6 — How a
    Non-supervised Automatic Lender Requests.
  coverage_tier: operative
obligations:
- id: va-m26-7-ch01-t06-full
  canonical_id: va-m26-7-ch01-t06-full
  section: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 1, Topic 6 — How a Non-supervised
    Automatic Lender Requests
  type: do
  tags:
  - regulator-direct
  - va
  - va-handbook
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 1, Topic 6 — How a
      Non-supervised Automatic Lender Requests
    source_class: va-handbook
    source_url: https://www.benefits.va.gov/warms/pam26_7.asp
    snapshot_id: b4bc25cdd49513a7
    fetched_at: '2026-05-23T01:53:52Z'
    content_hash: sha256:2516e061c3a90ce65e72b43ae4022a97e784d65ec7580998c523b5dc69ba6520
    paragraph_quote: '6. How a Non-supervised Automatic Lender Requests Underwriter
      Approval or Approval to Close Loans involving an Affiliate Change Date February
      1, 2019 • This chapter has been revised in its entirety. a. Underwriter Approval
      All VA loans to be closed on an automatic basis must be reviewed and either
      approved or rejected by a VA-approved underwriter. A VA-approved underwriter
      must sign a VA Form 26-6393, Loan Analysis, on each loan to certify his or her
      review of such loan. An electronic signature is acceptable. The lender may request
      approval of additional underwriters at any time after its initial approval for
      automatic authority by submitting a request to the VA office with jurisdiction
      over its home office, including the appropriate fee (as listed in Topic 10 of
      this chapter) and the documentation for underwriter approval (as listed in Topic
      4, Subsection a, of this chapter). All VA-approved underwriters must be familiar
      with VA’s credit underwriting standards and the VA Lender’s Handbook. All VA-approved
      underwriters must attend a 1-day (8 hour) training course on underwriter responsibilities,
      VA underwriting requirements, and VA administrative requirements, including
      the usage of VA forms, within 90 days of approval. Web-based training is also
      available. The Credit Standards training course is located on your landing page
      within the Veterans Information Portal (VIP): https://vip.vba.va.gov/portal/VBAH/Home.
      Successful completion of the Internet-based training meets the 1-day training
      requirement. Continued on next page VA Pamphlet 26-7, Revised Chapter 1: Lender
      Approval Guidelines 1-19 6. How a Non-supervised Automatic Lender Requests Underwriter
      Approval or Approval to Close Loans involving an Affiliate, continued a. Underwriter
      Approval, continued VA underwriter training is required of all underwriters
      whether approved based on experience or based on an AMP or CRU designation.
      It is also required of underwriters who have not underwritten VA-guaranteed
      loans in the past 24 months. Underwriters who consistently approve loans that
      do not meet VA credit standards will be required to retake this training. VA
      approval of an underwriter is automatically terminated (without notice) if the
      underwriter is no longer employed by the same lender. The lender must report
      any such circumstances to VA. The lender may not continue to close loans automatically
      without a VA-approved underwriter. b. Approval to Close Loans Involving an Affiliate
      The lender may request VA approval to close loans involving an affiliate on
      an automatic basis (“affiliate” as used here includes a real estate brokerage
      firm and/or residential builder or developer that the lender has a financial
      interest in, owns, is owned by, or is affiliated with). The lender may request
      such approval at the time it applies for automatic authority or any time thereafter.
      Submit the request to the VA office with jurisdiction over the lender’s home
      office along with a corporate resolution from the lender and each affiliate
      indicating they are separate entities operating independently of each other.
      The lender’s corporate resolution must indicate that it will not give more favorable
      underwriting consideration to its affiliate’s loans. The affiliate’s corporate
      resolution must indicate that it will not seek to influence the lender to give
      their loans more favorable underwriting consideration. Letters from permanent
      investors indicating the percentage of all VA loans based on the affiliate’s
      production originated by the lender over a 1 year period that are past due 90
      days or more. This delinquency ratio must be no higher than the national average
      for the same period for all mortgage loans. VA Pamphlet 26-7, Revised Chapter
      1: Lender Approval Guidelines 1-20'
  judgment: false
