VA Lenders Handbook (VA Pamphlet 26-7), Chapter 6, Topic 5 — Other Refinancing Loans

va-m26-7-ch06-t05

VA Lenders Handbook (VA Pamphlet 26-7), Chapter 6, Topic 5 — Other Refinancing Loans.

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  id: va-m26-7-ch06-t05
  authority: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 6, Topic 5 — Other Refinancing Loans
  description: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 6, Topic 5 — Other Refinancing Loans.
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    section: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 6, Topic 5 — Other Refinancing Loans
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      authority: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 6, Topic 5 — Other Refinancing Loans
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      paragraph_quote: '5. Other Refinancing Loans Change Date April 10, 2009, Change 11 • Subsection c has been updated to note that maximum guaranty on these types of refinancing loans is limited to $36,000. • This section has been updated to make minor grammatical edits. a. What Are They? Other refinancing loans are: • construction loans, • installment land sale contracts, and • loans assumed by veterans at interest rates higher than that for the proposed refinance. b. Maximum Loan These loans may not exceed the lesser of: • the VA reasonable value plus the VA funding fee, or • the sum of the outstanding balance of the loan to be refinanced plus allowable closing costs (including the funding fee) and discounts. The cost of energy efficiency improvements can also be added to the loan. c. Maximum Guaranty The maximum guaranty for refinancing loans, noted in subsection a, is $36,000.'

Verbatim regulatory text (1)

Verbatim provisions from VA Lenders Handbook (VA Pamphlet 26-7), Chapter 6, Topic 5 — Other Refinancing Loans — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

VA Lenders Handbook (VA Pamphlet 26-7), Chapter 6, Topic 5 — Other Refinancing Loans

5. Other Refinancing Loans Change Date April 10, 2009, Change 11 • Subsection c has been updated to note that maximum guaranty on these types of refinancing loans is limited to $36,000. • This section has been updated to make minor grammatical edits. a. What Are They? Other refinancing loans are: • construction loans, • installment land sale contracts, and • loans assumed by veterans at interest rates higher than that for the proposed refinance. b. Maximum Loan These loans may not exceed the lesser of: • the VA reasonable value plus the VA funding fee, or • the sum of the outstanding balance of the loan to be refinanced plus allowable closing costs (including the funding fee) and discounts. The cost of energy efficiency improvements can also be added to the loan. c. Maximum Guaranty The maximum guaranty for refinancing loans, noted in subsection a, is $36,000.

Source: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 6, Topic 5 — Other Refinancing Loans · source URL · snapshot e9c94ae5dc0a61f0

Operationalizing VA Lenders Handbook (VA Pamphlet 26-7), Chapter 6, Topic 5 — Other Refinancing Loans

This is verbatim, source-snapshotted regulator text from the Claude for Compliance open corpus. To turn a rule like this into compliance work product: gap-analyze your policies and procedures (P&Ps) against these requirements to surface stale, conflicting, or missing provisions; operationalize any change with a ready-to-run update kit; and produce audit-ready evidence — every step grounded only in the regulator’s own words, never invented.

Source of record: https://claudeforcompliance.com/regs/va-m26-7-ch06-t05/ · register va-m26-7-ch06-t05 · Claude for Compliance. Free to read and download; see regulatory updates and methodology.