VBA manual changes, diffed weekly

VA adjudicators work from the M21-1 manual and its siblings. VA publishes the current text on its KnowVA portal but no changelog — a rule can change under a pending claim and nobody is told. VetAid archives every version weekly and shows the difference.

What this is computed from: 2,498 VBA manual articles, 2,547 stored versions, archive started 2026-08-23. A "change" is the text difference between two consecutive stored versions; whitespace and re-wrapping are ignored. Excerpts show the first added and removed lines; the linked article is the current official text. Data build: 2026-09-01.
42VA Pamphlet 26-7
2M22-4
1M21-4

2026-08 (45 changes)

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 04

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-26 (previous 2025-12-20) · KMPR-315270
+ Transmittal of Change 4 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Changes
+ Removal of Appendix B
+ Use of this handbook
− Veterans
− Benefits Administration VA Pamphlet 26-7, Revised
− Department of Veterans Affairs Change
− 4
… 30 lines added, 45 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 05

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-26 (previous 2025-12-20) · KMPR-315271
+ Transmittal of Change 5 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Lender’s Handbook
+ Changes
+ Use of this handbook
− Veterans Benefits Administration VA Pamphlet 26-7, Revised
− Department of Veterans Affairs Change 5
− Washington, D.C. 20420 July 20, 2007
− Director, Loan Guaranty Service
… 14 lines added, 4 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 06

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-26 (previous 2025-12-20) · KMPR-315272
+ Transmittal of Change 6 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Purpose
+ Changes
+ Additional Copies
− To: Lenders and Other Participants in the VA Home Loan Guaranty Program
− Director, Loan Guaranty Service
… 9 lines added, 2 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 07

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-26 (previous 2025-12-20) · KMPR-315273
+ Transmittal of Change 7 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Lender’s Handbook
+ Changes
+ Additional Copies
− Veterans
− Benefits Administration VA Pamphlet 26-7, Revised
− Department
− of Veterans Affairs Change
… 15 lines added, 22 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 08

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-26 (previous 2025-12-20) · KMPR-315274
+ Transmittal of Change 8 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Lender’s Handbook
+ Changes
+ Additional Copies
− Veterans
− Benefits Administration VA Pamphlet 26-7, Revised
− Department
− of Veterans Affairs
… 15 lines added, 24 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 09

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-26 (previous 2025-12-20) · KMPR-315275
+ Transmittal of Change 9 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Purpose
+ Changes
+ Additional Copies
− Veterans Benefits Administration VA Pamphlet 26-7, Revised
− Department of Veterans Affairs Change 9
− Washington, D.C. 20420 April 10, 2009
− This change updates procedures in Chapter 3 to reflect that VA will guarantee regular refinance loans up to 100 percent of value, to reflect new maximum guaranty amounts, to reflect evidence of guaranty generated through VA’s webLGY application, to advise lend
… 14 lines added, 6 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 10

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-26 (previous 2025-12-20) · KMPR-315276
+ Transmittal of Change 10 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Purpose
+ Changes
+ Additional Copies
− Veterans Benefits Administration VA Pamphlet 26-7, Revised
− Department of Veterans Affairs Change 10
− Washington, D.C. 20420 April 10, 2009
− Director, Loan Guaranty Service
… 13 lines added, 4 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 11

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-26 (previous 2025-12-20) · KMPR-315277
+ Transmittal of Change 11 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Purpose
+ Changes
+ Additional Copies
− Veterans Benefits Administration VA Pamphlet 26-7, Revised
− Department of Veterans Affairs Change 11
− Washington, D.C. 20420 April 10, 2009
− Director, Loan Guaranty Service
… 13 lines added, 4 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 12

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-26 (previous 2025-12-20) · KMPR-315278
Eye
+ Transmittal of Change 12 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Purpose
+ Changes
+ Additional Copies
− Purpose Attached are revisions to Chapter 7 of VA Pamphlet 26-7, Revised, VA Lender's Handbook.
− Changes This change notes that VA's authority to guarantee Adjustable Rate Mortgages (ARMs) and Hybrid Adjustable Rate Mortgages (HARMs) has been extended to September 30, 2012.
− Additiona] Copies Additional copies may be downloaded from the VA Home Loans website (http://www.homeloans.va.gov).
− Director, Loan Guaranty Service
… 13 lines added, 4 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 13

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-26 (previous 2025-12-20) · KMPR-315279
+ Transmittal of Change 13 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Lender's Handbook
+ Changes
+ Additional Copies
− Veterans Benefits
− Administration
− Department
− of Veterans
… 21 lines added, 38 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 14

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-26 (previous 2025-12-20) · KMPR-315280
+ Transmittal of Change 14 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Changes
+ Veterans Benefits Administration
+ Department of Veterans Affairs
− Veterans
− Benefits Administration VA Pamphlet 26-7, Revised
− Department
− of Veterans Affairs Change 14
… 20 lines added, 23 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 15

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-26 (previous 2025-12-20) · KMPR-315281
+ Transmittal of Change 15 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Veterans Benefits Administration
+ Department of Veterans Affairs
+ Washington, D.C. 20420
− Veterans
− Benefits Administration VA Pamphlet 26-7, Revised
− Department
− of Veterans Affairs Change 15
… 19 lines added, 23 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 16

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-26 (previous 2025-12-20) · KMPR-315282
Eye
+ Transmittal of Change 16 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Purpose
+ Changes
+ Additional Copies
− Purpose Attached is a revision to Chapter 8, Borrower Fees and Charges and the VA Funding Fee, of the VA Lender's Handbook.
− Changes Topic 8, subsection "h" has been changed by noting VA funding fees for loans closed on or after November 22, 2011 through September 30, 2016. A note has also been added regarding funding fees for regular (cash-out) refinance loans.
− Additional Copies Additional copies may be downloaded from the VA Home Loans website (http://www.benefits.va.gov/homeloans).
− Acting Director, Loan Guaranty Service
… 13 lines added, 4 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 17

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-26 (previous 2025-12-20) · KMPR-315283
Eye
+ Transmittal of Change 17 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Purpose
+ Changes
+ Additional Copies
− Purpose Attached is a revision to Chapter 5, How to Process VA Loans and Submit Them to VA, of the VA Lender's Handbook.
− Changes • A new Topic, Topic 7, has been added which discusses procedures for processing loan assumptions.
− Additional Copies Additional copies may be downloaded from the VA Home Loans website (http://www.benefits.va.gov/homeloans/).
− Director, Loan Guaranty Service
… 13 lines added, 4 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 18

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-26 (previous 2025-12-20) · KMPR-315284
Eye
+ Transmittal of Change 18 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Purpose
+ Changes
+ Additional Copies
− Purpose Attached is a revision to Chapter 9, Legal Instruments, Liens, Escrows and Related Issues, of the VA Lenders Handbook.
− Change • A new Topic, Topic 12, has been included which adds detailed information on Homebuyer Assistance Programs, and under what conditions they are acceptable for use in connection with VA-guaranteed home loans.
− Additional Copies Additional copies may be downloaded from the VA Home Loans website (http://www.benefits.va.gov/homeloans).
− Director, Loan Guaranty Service
… 13 lines added, 4 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 19

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-26 (previous 2025-12-20) · KMPR-315285
Eyereductions
+ Transmittal of Change 19 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Purpose
+ Changes
+ Additional Copies
− Purpose Attached is a revision to Chapter 2, Veteran's Eligibility and Entitlement, of the VA Lenders Handbook.
− Changes • Topic 1 has been updated to reflect changes in procedures including noting a Certificate of Eligibility (COE) is not always needed for an Interest Rate Reduction Refinance Loan (IRRRL).
− Additional copies may be downloaded from the VA Home Loans website http://www.benefits.va.gov/homeloans).
− Director, Loan Guaranty Service
… 12 lines added, 4 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 46

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-26 (previous 2026-03-09) · KMPR-319396
effective dates
+ Transmittal of Change 46 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Effective Date
+ VA Pamphlet 26-7, Revised
+ To: Lenders and Other Participants in the VA Loan Guaranty Program
− VA Pamphlet VAP26-7, Revised
− To: Lenders and Other Participants in the Loan Guaranty Program
− Effective Date: This change will become effective for all VA appraisals ordered after May 1st, 2026.
− 1. Topic 1, Subtopics g and i, Detached Improvements and SAH RLC Jurisdiction, have been removed.
… 12 lines added, 8 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 45

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-26 (previous 2026-03-02) · KMPR-319052
effective dates
+ Transmittal of Change 45 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Purpose
+ Effective Date
+ Changes
− Veterans
− Benefits Administration
− Department
− of Veterans Affairs
… 48 lines added, 145 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 44

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-26 (previous 2025-12-20) · KMPR-315308
+ Transmittal of Change 44 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Purpose
+ Changes
+ Additional Copies
… 5 lines added, 0 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 43

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-26 (previous 2025-12-20) · KMPR-315307
+ Transmittal of Change 43 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Purpose
+ Changes
+ Additional Copies
… 5 lines added, 0 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 42

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-26 (previous 2025-12-20) · KMPR-315306
+ Transmittal of Change 42 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Purpose
+ Changes
+ Additional Copies
… 5 lines added, 0 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 41

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-26 (previous 2025-12-20) · KMPR-315305
+ Transmittal of Change 41 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Purpose
+ Changes
+ Additional Copies
− Additional copies may be downloaded at https://benefits.va.gov/warms/topic- homeloans.asp.
… 6 lines added, 1 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 40

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-25 (previous 2025-12-20) · KMPR-315304
+ Transmittal of Change 40 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Purpose
+ Changes
+ Additional Copies
− VA Lenders Handbook 26-7, Revised
− Subject: Transmittal of Change 40 to VA Lenders Handbook 26-7, Revised
− · Chapter 3, Topic 4 has been updated to reflect the implementation of P.L. 116-23,
− Blue Water Navy Vietnam Veterans Act of 2019.
… 8 lines added, 4 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 39

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-25 (previous 2025-12-20) · KMPR-315303
+ Transmittal of Change 39 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Purpose
+ Changes
+ Additional Copies
… 5 lines added, 0 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 38

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-25 (previous 2025-12-20) · KMPR-315302
+ Transmittal of Change 38 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Purpose
+ Changes
+ VA Pamphlet 26-7, Revised
− VA Pamphlet
− 26-7, Revised
− To: Lenders and Other Participants in the VA Loan Guaranty
− Program
… 12 lines added, 24 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 37

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-25 (previous 2025-12-20) · KMPR-315301
+ Transmittal of Change 37 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Purpose
+ Changes
+ Additional Copies
… 5 lines added, 0 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 36

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-25 (previous 2025-12-20) · KMPR-315300
Eye
+ Transmittal of Change 36 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Purpose
+ Changes
+ Additional Copies
− Purpose Attached is a revision to Chapter 9, Legal Instruments, Liens, Escrows and Related Issues, of the VA Lender’s Handbook.
− Change · Section 3, Subsection d has been revised to include the permissibility of Attorney Opinion Letters where customary or legally accepted.
− Additional Copies Additional copies may be downloaded from the VA Home Loans website (http://www.benefits.va.gov/homeloans).
− Executive Director, Loan Guaranty Service
… 13 lines added, 4 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 35

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-25 (previous 2025-12-20) · KMPR-315299
+ Transmittal of Change 35 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Purpose
+ Changes
+ Additional Copies
− To: Lenders and Other Participants in the VA Home Loan Guaranty Program
− Attached is a copy of VA Pamphlet 26-7, Lender’s Handbook, Chapter 12, Appraisal
− Process, which has been revised.
− Rescissions
… 11 lines added, 5 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 34

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-25 (previous 2025-12-20) · KMPR-315298
+ Transmittal of Change 34 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Purpose
+ Changes
+ Additional Copies
− To: Lenders and Other
− Participants in the VA Home Loan Guaranty Program
− Subject: Transmittal of VA Lenders
− Handbook, Chapter 4, Credit
… 18 lines added, 16 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 33

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-25 (previous 2025-12-20) · KMPR-315297
+ Transmittal of Change 33 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Purpose
+ Changes
+ Additional Copies
− To: Lenders and Other Participants in the VA Home Loan Guaranty Program
− Rescissions
− Director, Loan Guaranty Service
… 10 lines added, 3 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 32

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-25 (previous 2025-12-20) · KMPR-315296
+ Transmittal of Change 32 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Purpose
+ Changes
+ Additional Copies
− To: Lenders and Other Participants in the VA Home Loan Guaranty Program
− This change is effective July 28, 2019.
− Rescissions
− Director, Loan Guaranty Service
… 11 lines added, 4 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 30

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-25 (previous 2025-12-20) · KMPR-315295
+ Transmittal of Change 30 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Recissions
+ Veterans Benefits Administration
+ Department of Veterans Affairs
− Veterans
− Benefits Administration
− Department
− of Veterans Affairs
… 25 lines added, 41 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 29

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-25 (previous 2025-12-20) · KMPR-315294
+ Transmittal of Change 29 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Purpose
+ Changes
+ Additional Copies
− To: Lenders and Other Participants in the VA Home Loan Guaranty Program
− Rescissions
− Director, Loan Guaranty Service
… 10 lines added, 3 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 21

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-25 (previous 2025-12-20) · KMPR-315286
Eye
+ Transmittal of Change 21 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Purpose
+ Changes
+ Additional Copies
− Purpose Attached are revisions to Chapters 3, 7, and 8 of the VA Lender's Handbook.
− Changes Chapter 3
− Additional Copies Additional copies may be downloaded from the VA Home Loans website (http://www.benefits.va.gov/homeloans).
− Director, Loan Guaranty Service
… 13 lines added, 4 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 22

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-25 (previous 2025-12-20) · KMPR-315287
Eye
+ Transmittal of Change 22 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Purpose
+ Changes
+ Additional Copies
− Purpose Attached is a revision to Chapter 2, Veteran's Eligibility and Entitlement, of the VA Lenders Handbook.
− Changes • Topic 3 and 5 were updated to include language on expanded eligibility for certain unmarried surviving spouses as a result of the Honoring America's Veterans and Caring for Camp Lejeune Families Act of2012 which became law on August 6, 2012.
− Additional Copies Additional copies may be downloaded from the VA Home Loans website (http://www.benefits.va.gov/homeloans).
− Director, Loan Guaranty Service
… 13 lines added, 4 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 23

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-25 (previous 2025-12-20) · KMPR-315288
+ Transmittal of Change 23 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Purpose
+ Changes
+ Additional Copies
− To: Lenders and Other Participants in the VA Home loan Guaranty
− Program
− Subject: Transmittal
− of VA Lenders Handbook,.Chapter 1, Lender Approval Guidelines, Revised
… 15 lines added, 24 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 27

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-25 (previous 2025-12-20) · KMPR-315292
+ Transmittal of Change 27 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Purpose
+ Changes
+ Additional Copies
− To: Lenders and Other Participants in the VA Home Loan Guaranty Program
− This update is effective 90 days from the date of approval.
− Rescissions
− Director, Loan Guaranty Service
… 11 lines added, 4 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 28

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-25 (previous 2025-12-20) · KMPR-315293
+ Transmittal of Change 28 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Purpose
+ Changes
+ Additional Copies
− Veterans Benefits Administration VA Pamphlet 26-7, Revised
− Department of Veterans Affairs Change 28
− Washington, D.C. 20420 March 28, 2019
− To: Lenders and Other Participants in the VA Home Loan Guaranty Program
… 16 lines added, 6 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 24

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-25 (previous 2025-12-20) · KMPR-315289
+ Transmittal of Change 24 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Purpose
+ Changes
+ Additional Copies
− To: Lenders and Other Participants in the VA Home Loan Guaranty Program
− Pm·pose Attached is a copy of VA Pamphlet 26-7, Lender's Handbook, Chapter 11, Appraisal Report, which has been revised in its entirety.
− Changes Chapter 11 has been revised to provide information about VA appraisal policies, emphasizing the importance of an accurate appraisal in protecting the interests of Veterans, lenders, servicers, and VA. Key changes include:
− Additional Copies Additional copies may be downloaded at https://benefits.va.gov/warms/pam26_7.asp.
… 17 lines added, 6 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 25

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-25 (previous 2025-12-20) · KMPR-315290
+ Transmittal of Change 25 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Purpose
+ Changes
+ Additional Copies
− To: Lenders and Other Participants in the VA Home Loan Guaranty Program
− Purpose Attached is a copy of VA Pamphlet 26-7, Lender's Handbook, Chapter 4, Credit Underwriting, which has been revised in its entirety.
− Changes Chapter 4 has been revised to provide updated guidance for credit underwriting, to facilitate electronic processing of loans and to incorporate all applicable outstanding Circulars. Lenders are encouraged to apply flexibility and reasonable judgement w
− Additional Copies Additional copies may be downloaded at https://benefits.va.,gov/warms/pam26_7.asp.
… 17 lines added, 6 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Transmittal Sheet Change 26

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Transmittal · new version dated 2026-08-25 (previous 2025-12-20) · KMPR-315291
+ Transmittal of Change 26 to VA Pamphlet 26-7, VA Lender’s Handbook
+ Recissions
+ Veterans Benefits Administration
+ Department of Veterans Affairs
− Veterans
− Benefits Administration
− Department
− of Veterans Affairs
… 26 lines added, 43 removed in total

VA Pamphlet 26-7 · VA Pamphlet VAP26-7 Chapter 04 Credit Underwriting

VBA Loan Guaranty Service (LGY) › Policy › Manuals › Chapter 04. Credit Underwriting · new version dated 2026-08-25 (previous 2026-08-20) · KMPR-330850
+ Example: A member of the Reserves has been called to Active Duty. The ETS date on his LES indicates 181031 (October 31, 2018); however, his active duty orders indicate his active duty tour will not exceed the next 60 days. Therefore, since he will be leaving a
+ Non-medical collection accounts without established payment arrangements are to be included with a calculated monthly payment using 5% of the outstanding balance of the collection divided by 12 months. Borrowers with a history of such accounts should have re-e
+ Use any of the following if ≤120 or 180-days old (existing/new constructions):
+ No explanation for employment gaps is required if the gaps are ˂30 days.
− Example: A member of the Reserves has been called to Active Duty. The ETS date on his LES indicates 181031 (October 31, 2018); however, his active duty orders indicate his active duty tour will not exceed the next 60 days.
− Therefore, since he will be leaving active duty before 12 months of the projected closing date, the active-duty income cannot be considered, and his civilian employment and drill duty will need to be considered.
− Non-medical collection accounts without established payment arrangements are to be included with a calculated monthly payment using 5% of the outstanding balance of the collection. Borrowers with a history of such accounts should have re-established satisfacto
− Use any of the following if
… 4 lines added, 7 removed in total

M21-4 · Chapter 6. Quality Review Team (QRT)

Compensation and Pension › M21-4 Manual › Chapter 6. Quality Review Team (QRT) · new version dated 2026-08-25 (previous 2026-08-21) · KMPR-37939
pension
+ The deselection reason "QMS Admin Bulk Deselect" is reserved for use by QMS Admins and should never be used by RO employees to deselect a review.
− The deselection reason "QMS Admin Bulk Deselect" is reserved for use by QMS Admins and should never be used by RO employess to deselect a review.

M22-4 · M22-4, Part X, Chapter 1, Section A – Overview of Compliance Activities for VA Education Programs

Manuals › M22-4 › Part 10 – Compliance Surveys › 01 – Compliance Overview · new version dated 2026-08-24 (previous 2026-08-06) · KMPR-317780
+ August 24, 2026
+ Survey Reason: Survey Scheduled
+ Purpose of the Survey: Regularly Scheduled
− August 5, 2026
− Survey Reason: Regularly Scheduled
− Purpose of the Survey: Survey Scheduled

M22-4 · M22-4, Part X, Chapter 10, Section B – Narrative Report

Manuals › M22-4 › Part 10 – Compliance Surveys › 10 – Reports, Correspondence, and Records · new version dated 2026-08-24 (previous 2026-08-06) · KMPR-317805
+ August 24, 2026
+ Survey Review Period
+ The survey review period covered [start date – end date].
+ Surveyor Note: The survey period establishes the time frame covered by the survey findings and is based on the student records selected for review. For both initial and successive surveys:
− May 29, 2026
− Review Period
− The survey review period covered [from date – through date].
… 7 lines added, 3 removed in total

How to use this

If a change names your condition or the stage your claim is in, read the linked article, then compare it with the version of the rule the rating decision cited. A rule that changed after your decision can be grounds for a Supplemental Claim; a rule that changed before it and was not applied can be a Higher-Level Review argument.

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