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.
  effective_date: '2019-04-01'
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 requirements.
      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.
      quote_healed: true
      effective_date: '2019-04-01'
      effective_date_source: va-change-date-preceding
    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 Veterans Information Portal, to submit all requested documents.
      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.
      quote_healed: true
      effective_date: '2019-04-01'
      effective_date_source: va-change-date-preceding
    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 receipt of any deficiency letter requesting clarification or additional documentation.
      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.
      quote_healed: true
      effective_date: '2019-04-01'
      effective_date_source: va-change-date-preceding
    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

Effective 2019-04-01 · VA Change Date for this topic

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

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

Effective 2019-04-01 · VA Change Date for this topic

Full File Loan Review (FFLR). Lenders must use WebLGY, accessed via the Veterans Information Portal, to submit all requested documents.

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

Effective 2019-04-01 · VA Change Date for this topic

Lenders must upload a response in WebLGY within 30-calendar days of receipt of any deficiency letter requesting clarification or additional documentation.

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

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

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.

To work from the whole rulebook rather than this one page: download the corpus — every register on this site, verbatim, each with its source snapshot and effective date — then follow the methodology. It asks your assistant to answer only from the downloaded text, cite the register id and effective date it used, and tell you when the corpus does not cover something instead of filling the gap from memory. Running it locally also means no one sees which regulations you are looking at.

Source of record: https://claudeforcompliance.com/regs/va-m26-7-ch05/ · register va-m26-7-ch05 · Claude for Compliance. Free to read and download; see regulatory updates and methodology.