VA Lender Handbook M26-7 Chapter 5 — How to Process VA Loans and Submit Them to VA

va-m26-7-ch05

VA Pamphlet 26-7 Chapter 5 governs lender processing of VA loans.

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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?
    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
    feeds: []
    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
  - 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?
    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
    feeds: []
    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
  - 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?
    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
    feeds: []
    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
_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

Verbatim regulatory text (3)

Verbatim provisions from VA Lender Handbook M26-7 Chapter 5 — How to Process VA Loans and Submit Them to VA — 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 M26-7 Ch. 5 — Notice of Value (NOV) Compliance

WebLGY. The lender must obtain evidence of compliance with any NOV

Source: VA Lender Handbook M26-7 Chapter 5 — How to Process VA Loans and Submit Them to VA · source URL · snapshot 13ca1f98805e1a58

VA M26-7 Ch. 5 — Full File Loan Review Submission via WebLGY

Full File Loan Review (FFLR). Lenders must use WebLGY, accessed via the

Source: VA Lender Handbook M26-7 Chapter 5 — How to Process VA Loans and Submit Them to VA · source URL · snapshot 13ca1f98805e1a58

VA M26-7 Ch. 5 — Deficiency Letter Response Timeframe

Lenders must upload a response in WebLGY within 30-calendar days of

Source: VA Lender Handbook M26-7 Chapter 5 — How to Process VA Loans and Submit Them to VA · source URL · snapshot 13ca1f98805e1a58