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370fba51-455f-413e-ac76-e0eac39effb6	[SEGMENT 1] ================================================================================	VA_Guidelines.txt
a3faf7e9-8b4b-44c8-951d-f1a59eac4bb1	Lender’s Handbook VA Pamphlet 26-7, Revised undefined VA Pamphlet 26-7, Revised Table of Contents Table of Contents Chapter 1-The Lender Overview....................................................................................................................... 1-1 1.01 Definitions and Authorities.................................................................................. 1-2 1	VA_Guidelines.txt
faba76f8-926f-42db-90d0-647a37d023d1	............................................ 1-2 1.02 Before a Lender Starts Making VA Loans .......................................................... 1-6 1.03 Before a Lender Starts Making VA Loans in a New State .................................. 1-8 1.04 Lenders That are Considered Supervised ............................................................ 1-9 1	VA_Guidelines.txt
4d3d768f-c212-4c79-a2a4-b2a853c8423c	............................................ 1-9 1.05 How a Nonsupervised Lender Applies for Automatic Authority ........................ 1-12 1.06 Certifications a Nonsupervised Automatic Lender Must Comply With.............. 1-19 1.07 How a Nonsupervised Automatic Lender Requests Extension of Authority, Underwriter Approval or Approval to Close Loans Involving an Affiliate......... 1-22 1	VA_Guidelines.txt
5101e1bc-fe3b-4879-85b1-e6cf00c03075	......... 1-22 1.08 How a Supervised or Nonsupervised Automatic Lender Requests VA Recognition of an Agent ............................................................................... 1-25 1.09 Mergers and Acquisitions Involving Supervised or Nonsupervised Automatic Lenders............................................................................................... 1-31 1	VA_Guidelines.txt
384f4aae-75cc-4e4f-89d7-b5a656ebdd9c	........................................... 1-31 1.10 Withdrawal of Automatic Authority from Supervised or Nonsupervised Automatic Lenders............................................................................................... 1-36 1.11 Participation Fees for Supervised and Nonsupervised Automatic Lenders......... 1-40 1.12 Maintenance of Loan Records .......................................	VA_Guidelines.txt
dc45e103-7565-4ef1-9112-1b30fea7720a	............................................................................. 1-45 1.13 Lender ID Numbers ............................................................................................. 1-46 1.14 Lender Access to Training and Information ........................................................ 1-48 Figure 1-A Calculation of Adjusted Net Worth..........................................	VA_Guidelines.txt
e650652f-1b49-4a18-8dc7-26b557ab9775	........................................................... 1-50 Figure 1-B Elements of a Quality Control Plan........................................................... 1-52 Figure 1-C Checklist—Application for Authority to Close Loans on an Automatic Basis .......................................................................................	VA_Guidelines.txt
f45503d3-050b-4878-a450-4bfcf826e5ee	................................................... 1-56 Chapter 2-Veterans’ Eligibility and Entitlement Overview....................................................................................................................... 2-1 2.01 How to Establish the Applicant’s Eligibility for a VA Loan............................... 2-2 2.02 What the Certificate of Eligibility Tells the Lender ......	VA_Guidelines.txt
b5646f75-eeb4-446b-a288-7a0016e27410	............................................ 2-4 2.03 How to Apply for a Certificate of Eligibility....................................................... 2-8 2.04 Proof of Service Requirements ............................................................................ 2-10 2.05 Basic Eligibility Requirements ............................................................................ 2-13 2	VA_Guidelines.txt
e2496d24-94d4-40d3-a0be-e54bf3ccf566	........................................... 2-13 2.06 Restoration of Previously Used Entitlement........................................................ 2-15 2.07 Misuse of Veteran’s Entitlement ......................................................................... 2-17 2.08 Certificate of Veteran Status–FHA Loans ..........................................................	VA_Guidelines.txt
d2f8b49d-00e2-4091-98c3-7dbb0698569e	................................................... 2-18 Exhibit 2-A Quick Reference Table for VA Eligibility............................................... 2-20 Continued on next page i ppet 2-20 Continued on next page i Table of Contents VA Pamphlet 26-7, Revised Table of Contents, Continued Chapter 3-The VA Loan and Guaranty Overview..............................................................	VA_Guidelines.txt
5fba5d7e-d256-4708-8cb9-1513734fac07	........................................................................................................... 3-1 3.01 Basic Elements of a VA-Guaranteed Loan.......................................................... 3-2 3.02 Eligible Loan Purposes ........................................................................................ 3-5 3.03 Maximum Loan............................................	VA_Guidelines.txt
6851921d-33c1-4d98-b34f-ca211abb2439	.................................................................................................... 3-8 3.04 Maximum Guaranty on VA Loans ...................................................................... 3-11 3.05 Occupancy............................................................................................................ 3-13 3.06 Interest Rates......................................	VA_Guidelines.txt
1f8acdaa-21fb-4793-b8fb-f49deb41ba3e	........................................................................................................ 3-17 3.07 Discount Points .................................................................................................... 3-18 3.08 Maturity................................................................................................................ 3-20 3.09 Amortization ..............	VA_Guidelines.txt
05d7863a-0614-4870-a951-121bd1ead0f8	............ 3-20 3.09 Amortization ........................................................................................................ 3-21 3.10 Eligible Geographic Locations for the Secured Property .................................... 3-23 3.11 What Does VA Guaranty Mean to the Lender?................................................... 3-24 3.12 Post-Guaranty Issues........................	VA_Guidelines.txt
fa77929f-8f5c-40e6-90ce-bee0565a2632	.12 Post-Guaranty Issues............................................................................................ 3-27 Chapter 4-Credit Underwriting Overview....................................................................................................................... 4-1 4.01 How to Underwrite a VA Guaranteed Loan ........................................................ 4-2 4.02 Income	VA_Guidelines.txt
ba3103f4-9bfb-44c4-b64c-ac6e30527800	.................................. 4-2 4.02 Income.................................................................................................................. 4-6 4.03 Income Taxes and Other Deductions from Income ............................................. 4-27 4.04 Assets ..................................................................................................................	VA_Guidelines.txt
de5a46a6-dba7-460b-ac20-2486ff02d3a5	................................................... 4-29 4.05 Debts and Obligations.......................................................................................... 4-31 4.06 Required Search for and Treatment of Debts Owed to the Federal Government............................................................................................. 4-36 4.07 Credit History.........................	VA_Guidelines.txt
cd320977-2091-4b3f-8157-578076fdae5f	.07 Credit History........................................................................................................ 4-44 4.08 Documentation for Automated Underwriting Cases............................................ 4-50 4.09 How to Complete VA Form 26-6393, Loan Analysis ......................................... 4-60 4.10 How to Analyze the Information on VA Form 26-6393..................	VA_Guidelines.txt
6b753402-cd08-419b-99d6-87c55187f3c4	...................................... 4-65 4.11 Examples of Underwriting Deficiencies.............................................................. 4-69 ii Continued on next page VA Pamphlet 26-7, Revised Table of Contents Table of Contents, Continued Chapter 5-How to Process VA Loans Overview.........................................................................................................	VA_Guidelines.txt
609f24aa-acbe-4df2-85e1-43347c1b6b8c	................................................................ 5-1 5.01 Refinancing Loans ............................................................................................... 5-2 5.02 Procedures the Lender Must Complete Before VA Issues Guaranty .................. 5-3 5.03 How to Submit Loan Documents to VA.............................................................. 5-5 5	VA_Guidelines.txt
3e348f34-9cf7-4625-9dc1-126888ba8ad5	............................................ 5-5 5.04 Prior Approval Loan Procedures ......................................................................... 5-6 5.05 Automatically Closed Loan Procedures............................................................... 5-15 5.06 Submit “Other Necessary Documents”................................................................ 5-18 5	VA_Guidelines.txt
96483eb2-f300-43c2-a091-105dbeff200b	........................................... 5-18 5.07 What Does VA Do When Loans are Reported? .................................................. 5-22 Exhibit 5-A VA Form 26-0285, VA Transmittal List ................................................. 5-23 Exhibit 5-B VA Form 26-0286, VA Loan Summary Sheet......................................... 5-24 Chapter 6-Refinancing Loans Overview............	VA_Guidelines.txt
b048aef5-f83f-4f19-81d4-e52f76fa59da	....................................................................................................................... 6-1 6.01 Interest Rate Reduction Refinancing Loans (IRRRLs) ....................................... 6-2 6.02 IRRRL Made to Refinance Delinquent Loan ...................................................... 6-14 6.03 Cash-Out Refinancing Loans........................................	VA_Guidelines.txt
a90fcf26-3b51-45ec-8a11-23dc796ca82d	............................................................................... 6-19 6.04 Quick Reference Table for IRRRLs Versus Cash-Out Refinancing Loans......... 6-21 6.05 Other Refinancing Loans ..................................................................................... 6-23 Chapter 7-Loans Requiring Special Underwriting, Guaranty and Other Considerations Overview...................	VA_Guidelines.txt
b18398f9-5058-4f1c-91c3-fa546d36c914	....................................................................................................................... 7-1 7.01 Joint Loans ........................................................................................................... 7-2 7.02 Construction/Permanent Home Loans ................................................................. 7-13 7	VA_Guidelines.txt
9aec2d01-a298-4e0a-ad05-5291da8f0a4a	........................................... 7-13 7.03 Energy Efficient Mortgages (EEMs) ................................................................... 7-15 7.04 Loans for Alteration and Repair .......................................................................... 7-21 7.05 Supplemental Loans............................................................................................	VA_Guidelines.txt
f2c3e6be-18c1-417c-9351-96fa225b87a0	................................................... 7-22 7.06 Graduated Payment Mortgages (GPMs).............................................................. 7-27 7.07 Growing Equity Mortgages (GEMs) ................................................................... 7-32 7.08 Loans Involving Temporary Interest Rate Buydowns ......................................... 7-33 7.09 Farm Residence Loans	VA_Guidelines.txt
dd58918a-a30f-49eb-8af2-5b8ee7ba1e24	................... 7-33 7.09 Farm Residence Loans......................................................................................... 7-36 7.10 Cooperative Home Loans .................................................................................... 7-38 7.11 Loans for Manufactured Homes Classified as Real Estate.................................. 7-39 7	VA_Guidelines.txt
ca714b45-94bc-4f91-994e-f2031061bb56	.................................. 7-39 7.12 Loans to Native American Veterans on Trust Lands........................................... 7-42 Continued on next page iii booklet.	VA_Guidelines.txt
ecc7e5c4-83e0-4b23-abaf-f5b98a538472	Table of Contents VA Pamphlet 26-7, Revised Table of Contents, Continued Chapter 8-Borrower Fees and Charges and the VA Funding Fee Overview....................................................................................................................... 8-1 8.01 VA Policy on Fees and Charges Paid by the Veteran-Borrower ......................... 8-2 8	VA_Guidelines.txt
10dad042-93f5-4cea-b953-bb9bb55ed0b0	......................... 8-2 8.02 Fees and Charges the Veteran-Borrower Can Pay............................................... 8-3 8.03 Fees and Charges the Veteran-Borrower Cannot Pay.......................................... 8-9 8.04 Other Parties Fees and Charges for the Veteran-Borrower ................................. 8-11 8.05 Seller Concessions ............................................	VA_Guidelines.txt
5ddcc950-6ba3-4e3a-b758-18bfcd484ff7	............................................................................................... 8-12 8.06 What Happens to Fees and Charges If the Loan Never Closes ........................... 8-14 8.07 Fees and Charges That Can be Included In the Loan Amount ............................ 8-15 8.08 The VA Funding Fee ...................................................................................	VA_Guidelines.txt
1c892649-8be2-45ea-94a0-dc2b12033ce9	.......................................................... 8-17 Chapter 9-Legal Instruments, Liens, Escrows and Related Issues Overview....................................................................................................................... 9-1 9.01 Security Instruments ............................................................................................ 9-2 9	VA_Guidelines.txt
9c404e55-9964-4581-9aeb-b742786c5251	............................................ 9-2 9.02 Title Limitations................................................................................................... 9-5 9.03 Land Sale Contracts and Option Contracts.......................................................... 9-8 9.04 Secondary Borrowing .........................................................................................	VA_Guidelines.txt
ea25c379-a021-4f78-a2ed-19665133b91f	................................................... 9-9 9.05 Purchase of Property with Encumbrances ........................................................... 9-11 9.06 Liens Covering Community-Type Services and Facilities .................................. 9-12 9.07 Powers of Attorney .............................................................................................. 9-14 9	VA_Guidelines.txt
26fdd480-81fa-44b3-93c3-47f16e3a288a	........................................... 9-14 9.08 Lender Review of Sales Contracts on Proposed Construction ............................ 9-17 9.09 Escrow for Postponed Completion of Improvements.......................................... 9-19 9.10 Hazard Insurance ................................................................................................. 9-24 9	VA_Guidelines.txt
4e45d717-52ad-4f54-9ff7-3b7ce8f137dd	........................................... 9-24 9.11 Escrow for Taxes and Insurance .......................................................................... 9-27 Chapter 10-Property Eligibility and Appraisal Requests Overview....................................................................................................................... 10-1 10.01 Why An Appraisal Is Required.............	VA_Guidelines.txt
48c4916f-a125-4f8a-b8cb-e2b716d45f18	.01 Why An Appraisal Is Required.......................................................................... 10-2 10.02 Who Can Request an Appraisal ......................................................................... 10-3 10.03 The VA Assignment System.............................................................................. 10-4 10.04 How to Request an Appraisal ..........................	VA_Guidelines.txt
9dd379d1-69df-4a3b-b54b-760715826d6b	............................................................................ 10-5 10.05 Types of Property Eligible for Appraisal........................................................... 10-8 10.06 Properties Not Eligible for Appraisal ................................................................ 10-13 10.07 Other Appraisal Request Restrictions..................................................	VA_Guidelines.txt
250d1e2e-9cb4-4072-b98b-a919d449836d	................................................................ 10-15 10.08 New Construction .............................................................................................. 10-18 10.09 Ten-Year Insured Protection Plans .................................................................... 10-20 10.10 Construction Exhibits...............................................................	VA_Guidelines.txt
f09131a9-7085-4840-9dd6-e7a19b5b8bf9	............................................................................ 10-22 10.11 Conversion of HUD Value Notices for VA Use................................................ 10-27 10.12 Fees For Appraisals and Inspections.................................................................. 10-28 Figure 1: Builder Information and Certifications ...................................................	VA_Guidelines.txt
b0ac3987-9661-4036-8644-159508b159aa	....................................................... 10-30 iv Continued on next page iv Table of Contents VA Pamphlet 26-7, Revised Table of Contents, Continued Chapter 13-Value Notices Overview....................................................................................................................... 13-1 13.01 Reviewing Appraisal Reports ............................................	VA_Guidelines.txt
64057a87-c2af-42bd-931a-c81c74b769d7	............................................................................ 13-3 13.02 Resolving LAPP Appraisal Review Problems................................................... 13-5 13.03 Documenting LAPP Appraisal Reviews............................................................ 13-7 13.04 LAPP—Related Changes to Appraiser’s Value Estimate ................................. 13-9 13	VA_Guidelines.txt
e72882b0-6fbe-46e3-af20-87f17d175d2a	................................. 13-9 13.05 Preparing Notices of Value................................................................................ 13-11 13.06 Notice of Value Conditions and Requirements ................................................. 13-12 13.07 Distributing Notices of Value ............................................................................ 13-24 13	VA_Guidelines.txt
12963375-1ee2-4db7-b29d-e2522f9332b1	......................................... 13-24 13.08 How Long Notice of Value is Valid .................................................................. 13-25 13.09 Changing Notices of Value................................................................................ 13-26 13.10 Transfer of Appraiser’s Reports Between Lenders............................................ 13-29 13	VA_Guidelines.txt
4e1f2e56-a02d-4510-b23e-17e2d27b846b	......................................... 13-29 13.11 Discovery of Title Limitations & Conditions .................................................... 13-30 13.12 Effect of Major Disasters on Notices of Value.................................................. 13-34 Exhibit 1—LAPP Lender’s Notice of Value ...............................................................	VA_Guidelines.txt
ceb5912c-5815-4f10-b6e9-dbd2e49a901c	................................................... 13-35 Chapter 14-Construction Inspections Overview....................................................................................................................... 14-1 14.01 Obtaining an Inspection ..................................................................................... 14-3 14.02 Inspection Stages ............................	VA_Guidelines.txt
170d703c-eb7a-41bd-bf6f-945e90d8ff20	.02 Inspection Stages ............................................................................................... 14-4 14.03 VA Reliance on Local Building Inspections for First and Second Stages ........ 14-10 14.04 Manufactured Homes Classified as Real Estate ................................................ 14-11 14.05 Delayed Installation of Appliances and Finished Floor Covering............	VA_Guidelines.txt
bfbaf468-91bd-47d9-b84e-e2fbada0710a	..................... 14-13 14.06 Lender Use of Inspection Reports...................................................................... 14-14 14.07 Changes to Construction Exhibits...................................................................... 14-15 Chapter 15-Lender Appraisal Processing Program Overview.......................................................................................	VA_Guidelines.txt
c60ec666-776b-44d9-8d8a-217f581d7eea	.................................................................................. 15-1 15.01 LAPP Eligibility................................................................................................. 15-3 15.02 Lender Quality Control System Requirements .................................................. 15-6 15.03 Applying for LAPP Authority ................................................	VA_Guidelines.txt
95847792-02db-46d6-ab41-badff059f2a8	........................................................................... 15-8 15.04 SAR Training and Initial Case Reviews ............................................................ 15-9 15.05 Changes in SAR’s Employment or Lender’s Status .......................................... 15-14 15.06 Lender Responsibilities Under LAPP...............................................................	VA_Guidelines.txt
b6647096-c28c-42ed-9400-1c3099a638f9	................................................... 15-15 15.07 LAPP Processing Procedures............................................................................. 15-16 15.08 Affiliates and Authorized Agents ...................................................................... 15-17 Exhibit 1: LAPP Application ..................................................................................	VA_Guidelines.txt
6f5766d6-32be-43d0-8bde-6d59915a5bc3	....................................................... 15-21 Continued on next page vi Table of Contents VA Pamphlet 26-7, Revised Table of Contents, Continued Current Issues Overview....................................................................................................................	VA_Guidelines.txt
37bbc9b5-059d-42af-a661-099ee1da3bfb	CI-1 CI.01 Electronic Publication of Lender’s Handbook................................................ CI-2 CI.02 Misleading Advertisements ............................................................................ CI-3 CI.03 Automated Underwriting ................................................................................	VA_Guidelines.txt
fe88f7db-b0d9-4054-9f52-47abdc5bb82c	CI-5 CI.04 Home Mortgage Disclosure Act (HMDA) ..................................................... CI-6 CI.05 VA Restructuring of the Loan Processing Function ....................................... CI-10 CI.06 Modified Guaranty Submission Procedure.....................................................	VA_Guidelines.txt
aef9c3fa-55d7-4578-b2bf-26c5dc292ee9	CI-11 viii Table of Contents VA Pamphlet 26-7, Revised Table of Contents, Continued Current Issues Overview.................................................................................................................... CI-1 CI.01 Electronic Publication of Lender’s Handbook................................................	VA_Guidelines.txt
2760d573-f250-4f0a-9cd1-4baa8f27cc9f	CI-2 CI.02 Misleading Advertisements ............................................................................ CI-3 CI.03 Automated Underwriting ................................................................................ CI-5 CI.04 Home Mortgage Disclosure Act (HMDA) .....................................................	VA_Guidelines.txt
68f50ead-d9f2-43d5-82f2-65bbf285acaa	CI-6 CI.05 VA Restructuring of the Loan Processing Function ....................................... CI-10 CI.06 Modified Guaranty Submission Procedure.....................................................	VA_Guidelines.txt
cfcb1603-5156-4ac7-9cbe-e461852b08f6	CI-11 viii VA Pamphlet 26-7, Revised Index Index “Cash-out” Refinancing Loans, 8-14 Amortization Requirement, 3-21 1% Flat Fee, 8-13 Amortization, 3-21, 7-13, 7-29 2 Veteran Joint Loan, 7-3 Amount of Cash Assets, 4-29 4% Limit, 8-12 Amount of Guaranty Rules, 3-2 Absence of Credit History, 4-45 Analysis of Active Military Applicant's Base Acceleration Clause, 9-3 Pay, 4-17 Acceptability of Trust	VA_Guidelines.txt
ead357b1-eefb-40fa-93a8-32047b22fd83	Clause, 9-3 Pay, 4-17 Acceptability of Trust Deed, 12-17 Analysis of Comparable Sales, 11-10 Acceptable Use of GPMs, 7-27 Analysis of Debts and Obligations, 4-33 Access for Exterior Wall Maintenance, 12- Analysis of Military Quarters Allowance, 4- 10 18 Access to Living Unit, 12-10 Analysis of Multi-Unit Property Securing Access to Property, 12-10 the VA Loan, 4-23 Access to Rear Yard, 12-10	VA_Guidelines.txt
80b9a2a3-2861-47ad-9881-3b2b7e5e6903	the VA Loan, 4-23 Access to Rear Yard, 12-10 Analysis of Other Military Allowances, 4-18 Access to VAAS, 10-7 Analysis of Prospects for Continued Access-Related Issues, 12-10 Employment, 4-20 Accounts in the Spouse’s Name, 4-46 Analysis of Rental of the Property Applicant Accuracy of Doucmentation, 16-8 Occupied Prior to the New Loan, 4-23 Active Military Applicant’s Income, 4-15 Analysis of	VA_Guidelines.txt
d28462b9-c092-4d40-ab0f-00c977daa7db	Military Applicant’s Income, 4-15 Analysis of Subsistence and Clothing Actual Opinion	VA_Guidelines.txt
ac0f8930-7723-456f-a7be-1d87fef48863	.	VA_Guidelines.txt
96a152bb-e5fd-4774-86b7-c1699739b3a2	See Section 16-B	VA_Guidelines.txt
19d479c4-5c6b-4062-b054-39bf736feb9f	.02 Allowances, 4-18 Additional Conditions and Certifications, Analysis of Voluntary Separation Payments, 11-7 4-21 Additional Inspections, 14-11 Analysis: Rental of Other Property Not Additional Supplemental Loan Securing the VA Loan, 4-24 Requirements, 7-23 Analyzing Credit, 4-45 Address Change, 1-49 Annual Fees for Nonsupervised Automatic Administrative Fees for Supervised Lenders, Lenders,	VA_Guidelines.txt
90268b6e-d026-4a12-92df-fce906616541	Fees for Supervised Lenders, Lenders, 1-41 1-43 Annual Fees for Supervised Lenders, 1-43 Adverse Credit Data, 4-47 Annual Financial Statements, 1-20 Affiliates and Agents, 15-16 Appeal Rights to all Program Participants, Agent Definition, 1-2 17-1 Agent ID Numbers on VA Form 26-0286, 1- Applicability of Laws, 16-11 28 Applicant as Co-obligor, 4-34 Agent Use, 1-26 Application and Fees, 15-8 Agents	VA_Guidelines.txt
78d3dc61-ad16-4775-950f-c3762a1b3d89	Agent Use, 1-26 Application and Fees, 15-8 Agents and Appraisals	VA_Guidelines.txt
5e5a6739-b1f3-4ab2-9457-e17f0cc0b33a	.	VA_Guidelines.txt
0a8b363d-a9e1-467c-92d1-fdb835345d01	See Chapter 13, Applying for LAPP Authority, 15-8 Transfer of Appraisals Between Lenders Appraisal Assistance, 11-5 Airport Acknowledgement, 13-15 Appraisal Report Changes, 13-5 Alimony, Child Support, and Maintenance Appraisal Report Contents, 11-6 Payments.	VA_Guidelines.txt
b97a63d3-0817-4cce-b9ac-f833fcb9e508	See ECOA Considerations Appraisal Reviews, 15-15 Allowable Loan Purposes, 7-39 Appraisal Tasks Not Delegated, 11-5 Alternative Amortization Plans, 3-21 Appraisal, 11-1 Amend or Withdraw the Special Privilege of Appraiser Considerations, 11-16 LAPP Authority, 17-11 Appraiser Reporting, 11-16 I-1 Index Appraiser’s Role on NOVs, 13-27 Approaches to Value, 11-9 Approval of Changes Affecting Property	VA_Guidelines.txt
17fe4604-3341-45dc-b220-bcf5b80749e3	11-9 Approval of Changes Affecting Property Value, 14-16 Approval of Changes Not Affecting Property Value, 14-16 Approval to Close Loans Involving an Affiliate, 1-24 APR Calculation, 7-30 Assets, 4-29 Assigning an Inspector, 14-3 Assumption Approval Clause, 9-2 Attorney’s Fees, 8-8 Attorney’s Opinion, 16-1 Attorney's General Requirements, 16-1 Audit Program, 1-52 Authenticity, 16-8 Authorized	VA_Guidelines.txt
d8a1e71f-6486-448e-8c04-8c6bf751a748	Audit Program, 1-52 Authenticity, 16-8 Authorized Documents, 16-7 Automated Underwriting Cases, 4-50 Automatic Authority, 1-4, 1-18, 1-29 Automatic or Prior Approval Processing, 6- 20 Automatically Closed Loan Procedures, 5- 15 Automatically Guaranteed Loans, 3-24 Automobile or Similar Allowances, 4-25 Bankruptcy, 4-48 Bankruptcy Filed Under the Straight Liquidation and Discharge Provisions, 4-	VA_Guidelines.txt
0eb3bef2-36f1-48f2-881c-df6c622bf6fb	Straight Liquidation and Discharge Provisions, 4- 48 Bankruptcy, 4-48 Basic MPRs Heating, 12-7 Basic MPRs, 12-6 Basic Sewage Requirement, 12-16 Basic VA Policy, 16-1 Basic VA Requirements	VA_Guidelines.txt
3d41dcee-2679-4f4a-8f96-fcefb67056f0	.	VA_Guidelines.txt
7576c370-aeb3-48f8-84dd-2308e71956a3	See Section 16-A Before a Lender Starts Making VA Loans, 1-6 Blanket Corporate Resolution, 1-27 Borrower Fees and Charges, 8-1 Borrower Notice on the CRV/NOV, 7-16 Brokerage Fees, 8-8 Builder Costs, 12-17 Builder Information and Certifications, 10- 30 Builder’s Warranty Coverage, 10-18 Building Code Enforcement, 10-16, 11-20 Building or use Restriction, 13-31 I-2 I-1 VA Pamphlet 26-7, Revised	VA_Guidelines.txt
77a62599-e47b-4810-9a85-840f27b3e136	13-31 I-2 I-1 VA Pamphlet 26-7, Revised Building Requirements, 16-10 Builder Responsibilities, 7-14 CAIVRS Description, 4-38 CAIVRS Procedures, 4-38 Calculating EEM Funding Fee, 7-19 Calculating EEM Guaranty and Entitlement Use, 7-19 Calculating Guaranty and Entitlement Use on 2 Veteran Joint Loans, 7-8 Calculating Joint Loan Guaranty and Entitlement, 7-6 Calculating Monthly Installments, 7-30	VA_Guidelines.txt
78623501-205d-4b75-bd62-5cf45dbc5b20	7-6 Calculating Monthly Installments, 7-30 Calculating the Funding Fee, 8-20 Calculating the Maximum Loan, 6-6 Calculation of Adjusted Net Worth, 1-50 Calculation, 1-50 Cancellation of VA Approval, 14-17 Case Reviews by VA Staff, 15-12 Cash-Out Refinancing Loan Definition, 6-19 Cash-out Refinancing Loans, 3-18 Cash-Out Refinancing Loans, 6-19 Cause and Treatment Codes, 17-4 Causes for LDP, 17-19	VA_Guidelines.txt
8966a934-0194-427a-958a-01a1a02d48db	and Treatment Codes, 17-4 Causes for LDP, 17-19 Certificate of Commitment, 5-9, 7-10 Certificate of Eligibility, 5-22 Certificate of Reasonable Value (CRV), 15- 15 Certification Wording, 13-7 Certifications a Nonsupervised Automatic Lender Must Comply With, 1-19 Change in the Fee Appraiser’s Value Estimate, 13-9 Change Justification, 13-9 Change Notification, 14-17 Change Request Form, 14-15	VA_Guidelines.txt
97aa9211-499d-4175-94d3-9ce37fb0caf5	Notification, 14-17 Change Request Form, 14-15 Change Restrictions to Value Estimate, 13-9 Changes in SAR’s Employment or Lender’s Status, 15-13 Changes in the Ownership or Corporate Structure, 1-31 Changes to the Agreed Upon Discount Points, 3-19 Changes to the Agreed Upon Interest Rate, 3-17 Changes to the Loan Occurring Between Issuance of the Certificate of Commitment, 5-10 Index Appraiser’s	VA_Guidelines.txt
1f369365-6011-416d-bcd3-469604bb63a0	Certificate of Commitment, 5-10 Index Appraiser’s Role on NOVs, 13-27 Approaches to Value, 11-9 Approval of Changes Affecting Property Value, 14-16 Approval of Changes Not Affecting Property Value, 14-16 Approval to Close Loans Involving an Affiliate, 1-24 APR Calculation, 7-30 Assets, 4-29 Assigning an Inspector, 14-3 Assumption Approval Clause, 9-2 Attorney’s Fees, 8-8 Attorney’s Opinion, 16-1	VA_Guidelines.txt
7d37faa6-f4c9-46e7-9255-9f6f766f6025	9-2 Attorney’s Fees, 8-8 Attorney’s Opinion, 16-1 Attorney's General Requirements, 16-1 Audit Program, 1-52 Authenticity, 16-8 Authorized Documents, 16-7 Automated Underwriting Cases, 4-50 Automatic Authority, 1-4, 1-18, 1-29 Automatic or Prior Approval Processing, 6- 20 Automatically Closed Loan Procedures, 5- 15 Automatically Guaranteed Loans, 3-24 Automobile or Similar Allowances, 4-25	VA_Guidelines.txt
c429d66f-ceff-46cc-9157-b069e966f32e	3-24 Automobile or Similar Allowances, 4-25 Bankruptcy, 4-48 Bankruptcy Filed Under the Straight Liquidation and Discharge Provisions, 4- 48 Bankruptcy, 4-48 Basic MPRs Heating, 12-7 Basic MPRs, 12-6 Basic Sewage Requirement, 12-16 Basic VA Policy, 16-1 Basic VA Requirements	VA_Guidelines.txt
d126a68e-bd42-4c47-9807-ce2eca60068f	.	VA_Guidelines.txt
0b362f8b-22f3-45b7-89da-c45e2d9d4dcd	See Section 16-A Before a Lender Starts Making VA Loans, 1-6 Blanket Corporate Resolution, 1-27 Borrower Fees and Charges, 8-1 Borrower Notice on the CRV/NOV, 7-16 Brokerage Fees, 8-8 Builder Costs, 12-17 Builder Information and Certifications, 10- 30 Builder’s Warranty Coverage, 10-18 Building Code Enforcement, 10-16, 11-20 Building or use Restriction, 13-31 I-2 VA Pamphlet 26-7, Revised	VA_Guidelines.txt
d3ca1df5-f088-4034-8e33-0d8c91ecb55a	Restriction, 13-31 I-2 VA Pamphlet 26-7, Revised Changing Notices of Value - Lender’s Role, 13-28 Changing Notices of Value, 13-26 Checklist—Application for Authority to Close Loans on an Automatic Basis, 1-56 Circumstances Requiring Additional Documentation, 5-18 Closing Costs Rules, 3-4 Closing Costs, 6-4 Common Interest Community Definition, 16-1 Community Water Supply/Sewage Disposal	VA_Guidelines.txt
e2bba6fd-2875-42b4-aef8-963ce67784de	16-1 Community Water Supply/Sewage Disposal Requirements, 12-16 Compare Shelter Expenses, 4-68 Compensating Factors, 4-67 Completion of Excavation Alternative, 14-5 Completion of Foundation Alternative, 14-5 Compliance with Local/State Requirements, 16-4 Compliance with Other VA Requirements, 16-4 Concrete Slabs or Continuous Footings, 12- 22 Conditional Commitments, 5-11 Conditional Opinion,	VA_Guidelines.txt
66aa9d4b-f375-4919-b958-1e56b2164b4b	Commitments, 5-11 Conditional Opinion, 16-6 Condominium Approval Procedures, 16-5 Condominium not VA Approved, 16-4 Connection to Public Water/Sewer, 13-14 Connection to PublicWater/Sewage System, 12-14 Consequences of Inspections, 14-1 Consequences of Uninsured Losses, 9-28 Consideration of the Spouse’s Credit History, 4-46 Construction Exhibits, 10-10, 10-22, 14-15 Construction Inspection Fees,	VA_Guidelines.txt
f99c2024-c4e5-4c94-8e06-720dd0695103	10-10, 10-22, 14-15 Construction Inspection Fees, 10-28 Construction Inspections, 13-20, 14-1	VA_Guidelines.txt
92d83033-d8cd-408f-9316-cd246e7aa6bb	.	VA_Guidelines.txt
04110e32-6d94-43fd-aa6b-94181465e1e6	See Chapter 12, VA Minimum Property Requirements (MPRs) Construction Loans, 8-7 Construction Warranty, 13-21 Construction/Permanent Home Loans, 7-13 Contents of Opinion, 16-3 Conversion of HUD Value Notices for VA Use, 10-27 Cooperative Home Loans, 7-38 Correct and Complete Copies, 16-9 Corrections to LGCs, 3-27 Index Documenting Amendments After Project Approval, 16-8 Documenting LAPP Appraisal	VA_Guidelines.txt
4d2eb9d4-6859-49f7-9d25-6562f224dd08	Project Approval, 16-8 Documenting LAPP Appraisal Reviews, 13- 7 Documents Subject to Rescission or Reformation, 16-8 Downpayment, 7-12 Down Payment Required, 7-28 Down Payment Rules, 3-2 Down Payments, 3-10, 7-13 Drainage, 12-11 Due Diligence, 15-14 Easement, 13-31 ECOA Considerations, 4-7, 7-11 EEM Requirements, 7-15 EEMs Definition, 7-15 Effect of Major Disasters on Notices of Value, 13-34	VA_Guidelines.txt
e190f52b-d828-45d3-8e29-ca51bf1c8348	of Major Disasters on Notices of Value, 13-34 Electricity, 12-8 Electronic Payment of the VA Funding Fee	VA_Guidelines.txt
51e5ac97-1d87-49f0-87af-969d03dfc3c2	.	VA_Guidelines.txt
05babd82-7081-4bd1-a00a-fdb0fd3b510f	See Appendix C Electronic Transmission of Appraisal Reports, 11-8 Elements of a Quality Control Plan, 1-52 Elements of a Quality Control Plan-Review of Loans, 1-54 Elements of a VA-Guaranteed Loan, 3-2 Eligibility of Land Sale Contracts, 9-8 Eligibility of Option Contracts, 9-8 Eligible Geographic Locations for the Secured Property, 3-23 Eligible Loan Purposes, 3-5 Employed Less Than 12 Months,	VA_Guidelines.txt
4528bbd9-9689-4f42-a46f-c873c0358182	Loan Purposes, 3-5 Employed Less Than 12 Months, 4-11 Encroachment, 13-32 Energy Conservation Improvements, 13-12 Energy Efficiency Improvements in Conjunction with an IRRRL, 7-17 Energy Efficiency Improvements More Than $3,000, up to $6,000, 7-17 Energy Efficiency Improvements Over $6,000, 7-17 Energy Efficiency Improvements up to $3,000, 7-17 Energy Efficient Construction, 13-19 Energy	VA_Guidelines.txt
c62cd4b9-728f-4057-8f68-f5fb9cc78095	7-17 Energy Efficient Construction, 13-19 Energy Efficient Mortgages (EEMs)	VA_Guidelines.txt
6846e606-4f06-4629-b29f-af2d9b89a489	.	VA_Guidelines.txt
49abc513-76c8-4857-bbf0-13e58e750cf0	See 7- 15 thru 7-20 Equal Employment Opportunity Requirement, 14-4 I-4 VA Pamphlet 26-7, Revised Building Requirements, 16-10 Builder Responsibilities, 7-14 CAIVRS Description, 4-38 CAIVRS Procedures, 4-38 Calculating EEM Funding Fee, 7-19 Calculating EEM Guaranty and Entitlement Use, 7-19 Calculating Guaranty and Entitlement Use on 2 Veteran Joint Loans, 7-8 Calculating Joint Loan Guaranty and	VA_Guidelines.txt

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quickb

Generated using QuicKB, a tool developed by Adam Lucek.

QuicKB optimizes document retrieval by creating fine-tuned knowledge bases through an end-to-end pipeline that handles document chunking, training data generation, and embedding model optimization.

Chunking Configuration

Chunker: RecursiveTokenChunker
Parameters:
- chunk_size: 400
- chunk_overlap: 50
- length_type: 'character'
- separators: ['\n\n', '\n', '.', '?', '!', ' ', '']
- keep_separator: True
- is_separator_regex: False

Dataset Statistics

Total chunks: 3,800
Average chunk size: 43.1 words
Source files: 1

Dataset Structure

This dataset contains the following fields:

text: The content of each text chunk
source: The source file path for the chunk
id: Unique identifier for each chunk

Downloads last month: 22

Size of downloaded dataset files:

585 kB

Size of the auto-converted Parquet files:

585 kB

Number of rows:

3,800