ࡱ> wx3 Nbjbj { IlTTTTTTT4$6H6H6HhHdI|$KZLF*M*M*MN>CNWN $P pzATcNNNcNcNAOTT*M*MVOOOcNT*MT*MOcNOOT~TTg*M~K dJ:$A6HKOv4g l0tOgOlTTTT VA Guaranteed Home Loans Satellite and Streaming Video Lender Training EMBED PBrushEMBED PBrush Eligibility December 16, 2009 Student Materials Table of Contents Course Objective/Outline3Proof of Service4Obtaining Proof of Service7Veterans Information Portal Registration8Ordering an Electronic COE9GNMA Loan Limits10VA Jumbo Loan (GNMA) Sample Worksheet11VA Jumbo Loan (GNMA) Blank Worksheet12Regional Loan Centers Contact13Website Directory14FY 2010 Broadcast Schedule15Available Videos16 Course Objective and Outline Course objective: Our objective in this broadcast is that when were done, you will be able to properly request, obtain, and evaluate Certificates of Eligibility obtained on line by you or by the veteran. Outline Who is eligible? Veterans, Active Duty, Reservist/NG, Unmarried Surviving Spouse, Other Proof of Service Statement of Service DD-214 Reservist Points Form 26-1817 Reservists called up: DD-214 Means of obtaining a COE Automated COE Electronic Application (Uploading) Restoration Regular One-Time Refinancing same property Prior Loan Validation Additional information on the COE Entitlement Codes Active Duty Certification Is an old COE still good? Change in active duty status? Prior Loans Tour of Eligibility Center Common Causes of Delay in receiving COE PROOF OF SERVICE DD-214 The DD-214 is the most common type of proof of service. It has been issued to veterans discharged from all branches of service since January 1, 1950. What to look for? Veterans name while in the service Branch of Service Service Number (SSN used in lieu of service number as of dates shown): Army & Air Force 7/1/69 Navy & Marine Corps 1/1/72 Coast Guard 10/1/74 Social Security Number Date of Birth Dates of Service (entry date, discharge date, and net active service) Character of Service* Lost Time NOTE: After October 1, 1979, the form was revised and veterans were issued a Member-1 and a Member4 copy of the DD-214. The Member-4 copy must be submitted with the VA Form261880 as the character of service and time lost are listed on this form. *Any one of the following may be listed in the Character of Service section of the DD214: Type of Discharge for Active Duty VeteranActionHonorable (HON)AcceptableUnder Honorable Conditions (UHC)AcceptableGeneral (GEN)AcceptableOther Than Honorable (OTH)Requires Adjudication ReviewBad ConductRequires Adjudication ReviewDishonorableUnacceptable NOTE: The only acceptable character of service for a veteran who served in the Selected Reserves/National Guard is HONORABLE. DD-215 - The DD-215 is issued to correct any wrong information on a DD-214. When a veteran submits a DD-215, the DD-214 must also be included. PROOF OF SERVICE Proof of Service Prior to 1950 Prior to 1950, each branch of the service issued its own separate proof of service: Army WDAGO #53-55 Navy NAVPERS-553 Air Force WDAGO #53 Marines NAVMC78 All required eligibility information is included on the above-listed types of separation forms. However, the information may be difficult to locate as the forms do not have a uniform format. Certificate of Military Service The Certificate of Military Service is issued to veterans by the National Personnel Records Center (NPRC) as a substitute for a copy of the actual discharge papers. NPRC issues this record because the original proof of service was lost or destroyed. This is an official document and can be used for verification of military service. It shows the entry date, discharge date and character of service. ACTIVE DUTY Statement of Service A Statement of Service is required as proof of service when a veteran is serving on active duty or when a reservist continues to serve in the Selected Reserves. There is no official format, but it is usually prepared on military letterhead or is computer generated by the branch of service. An acceptable letter will show the veterans name, service/Social Security number, date of birth, any lost time or breaks in service and date of entry into active duty or the Selected Reserves. If the Statement of Service does not reference any lost time, it should be assumed there was none. The character of service is not generally provided on this type of proof of service. When it is not stated, the character of service should be considered Honorable. Finally, the letter should be signed by the adjutant, personnel officer or commanding officer of the unit. Orders or Leave and Earnings Statements (LES) do not fulfill the same requirements as the statement of service. PROOF OF SERVICE Reservist/National Guard Unlike members of regular components of the Armed Forces, there isnt one standard form given to members of the Reserves or Guard. Generally, members of the Reserves/Guard will have some type of points summary detailing participation in the Selected Reserves. The following documents are usually acceptable to establish eligibility: Reserve/Guard BranchRequired Proof of ServiceArmy/Air National GuardNGB-22, Report of Separation and Record of ServiceArmy ReserveDARP Form 249-2-E or ARPC Form 606, Chronological Statement of Retired PointsNavy Reserve NRPC 1070-124, Annual Retirement Point RecordAir Force ReserveAF-526, Point Summary SheetUSMC ReserveNAVMC-798Coast Guard ReserveCG-4175 Discharge Certificate The discharge certificate is issued to both regular military and reservist veterans. It can be used as proof of character of service for a reservist when only a points statement is available. Note: The minimum required length of service for a Reserve/National Guard member is six (6) years of active reserve duty. OBTAINING PROOF OF SERVICE How to Obtain Proof of Service The National Personnel Records Center (NPRC) may be contacted to obtain a copy of military service records. The NPRC has several methods available to request records: 1. eVetRecs ( HYPERLINK "http://www.archives.gov/veterans/evetrecs" www.archives.gov/veterans/evetrecs) - The request for records may be initiated via the Internet by the veteran. A follow up faxed or mailed application with signature will be required. 2. Standard Form (SF) 180, Request Pertaining to Military Records may be obtained via Internet, postal mail, or telephone: a. Download and print form from  HYPERLINK "http://www.archives.gov/veterans" http://www.archives.gov/veterans b. Request form by mail: The National Personnel Records Center 8601 Adelphi Road College Park, MD 20740-6001 c. Telephone NPRC at 1-866-272-6272 If records need to be ordered, please start the process early on as this request could take some time to fill. State Departments of Veterans Affairs If the veteran was discharged after 1979, there is a possibility that the State Department of Veterans Affairs may have a copy of the DD-214. The veteran would need to contact the office located in the state that was listed as their home of record. The home of record is where the veteran entered into active duty. The website for the National Association of State Directors of Veterans Affairs is  HYPERLINK "http://www.nasdva.com" www.nasdva.com. Contact information for each state office may be located there. Department of Veterans Affairs (VA) If the veteran has made a claim with VA, there is a chance that service information is in our database. It may be possible for the veteran to obtain a letter regarding their service information from the Veterans Service Center. The toll-free number, 1-800-827-1000, will connect the veteran to the nearest VA Regional Office. PORTAL REGISTRATION FOR LENDERS Before you begin, have ready: Lender identification number Social Security Number Valid E-mail address The website is  HYPERLINK "http://vip.vba.va.gov" http://vip.vba.va.gov. 1. Click on Register. (Located on the left-hand side of the screen.) 2. On the next screen, select VA Affiliate and click Next. Input all of your personal contact information on the next two screens. A red asterisk (*) indicates a required field. On the Login Security Information Screen you will create a user name and password, and select your security questions and answers. Valid User Names must have at least 8 characters, must begin with a letter, contain only letters and numbers and may not contain any spaces. Passwords are case sensitive and must be at least 8 characters long. They must contain elements from three of following: Uppercase Letters, Lowercase Letters, Numbers, and Special Characters. On the next screen, select VA Affiliate and check your appropriate affiliation type. When the Lender box is checked, you will be asked to input your lender ID number and the Lender PIN. The PIN is usually comprised of the last four digits of the tendigit ID number. Enter your business correspondence email address if different from the one you previously entered and click Next. 6. Accept the Terms and Conditions and click Submit. You are now ready to log in to the Veterans Information Portal! Remember: Do not share your user name and password! ORDERING AN ELECTRONIC COE After logging into the Veterans Information Portal: 1. Choose the WebLGY application. 2. Click on Eligibility. 3. From the drop down box, select Automated Certificate of Eligibility 4. Input all requested information (name, SSN, date of birth, etc.), then Submit At this point, you will either get a message that you can view/print the COE or that the system was unable to process your case online. If the system cannot process the case online, the following steps must be completed: 1. Click on the Electronic Application link. 2. Input required information. This information comes directly from the application for the COE, VA Form 26-1880. 3. Supporting documentation such as the DD-214 or HUD-1 Settlement Statement may be scanned and uploaded for submission with the electronic application. 4. Provide your e-mail address so that you can be notified when the application has been processed. Be sure to keep the reference number generated by the application. Using the reference number, you may track the progress of the electronic application. If you choose not to use the electronic application process, the mailing address of the eligibility center is provided on the screen. VA Jumbo Loans (GNMA) Effective September 1, 2007, Ginnie Mae (GNMA) is eliminating the restriction on the size of mortgage loans guaranteed by the Department of Veterans Affairs (VA) that can be used as collateral for Ginnie Mae securities. Previously, Ginnie Mae limited the size of VAguaranteed loans to the conforming loan limit of $417,000. Ginnie Mae will continue to require that the borrowers down payment plus the amount to the VA guaranty be equal to at least 25 percent of the purchase price or the homes value, whichever is less. Note: The VA Jumbo Loan is not a VA program. It is simply a marketing tool used in conjunction with Ginnie Mae backed loans to allow a borrower to obtain a VA loan over the conforming government loan limit of $417,000. VA JUMBO LOANS (Purchase) GNMA Calculating final loan amount 1. Purchase Price $500,000 2. Appraised Value $500,000 3. 75% of the lesser of 1 and 2 above $375,000 4. Add Entitlement $ 104,250 5. Base Loan Amount (3 + 4) $479,250 6. Down Payment = 1 less 5 $ 20,750 7. *VA Funding Fee (use 5 to calculate) $ 10,304 8. Final Loan Amount (7 + 5) $489,554 *VA Funding Fee (VAFF) is determined as follows: a. If the borrower has a verifiable service-connected disability in excess of 10%, VAFF is waived. b. VAFF is calculated on the loan amount** (1). Regular Military 2.15% first time use; 3.3% subsequent use (2). Reservist/National Guard - 2.4% first time use, 3.3% subsequent Another way of coming up with the figure is the 25% Rule: 1. Lesser of the purchase price or appraised value $500,000 2. Less entitlement x 4 $417,000 3. Difference $ 83,000 Down payment = the difference between 1 and 2 above x 25% $ 20,750 (4% down) VA JUMBO LOANS (Purchase) GNMA Calculating final loan amount 1. Purchase Price $ 2. Appraised Value $ 3. 75% of the lesser of 1 and 2 above $ 4. Add Entitlement $ 5. Base Loan Amount (3 + 4) $ 6. Down Payment = 1 less 5 $ 7. *VA Funding Fee (use 5 to calculate) $ 8. Final Loan Amount (7 + 5) $ *VA Funding Fee (VAFF) is determined as follows: a. If the borrower has a verifiable service-connected disability in excess of 10%, VAFF is waived. b. VAFF is calculated on the loan amount** (1). Regular Military 2.15% first time use; 3.35% subsequent use (2). Reservist/National Guard - 2.4% first time use, 3.35% subsequent Another way of coming up with the figure is the 25% Rule: 1. Lesser of the purchase price or appraised value $500,000 2. Less entitlement x 4 $417,000 3. Difference $ 83,000 Down payment = the difference between 1 and 2 above x 25% $ 20,750 (4% down) Regional Loan Centers Contact Regional Loan CenterJurisdictionTelephone Atlanta  Georgia, North Carolina, South Carolina, Tennessee 1-888-768-2132 ClevelandDelaware, Indiana, Michigan, New Jersey, Ohio, Pennsylvania 1-800-729-5772 DenverAlaska, Colorado, Idaho, Montana, Oregon, Utah, Washington, Wyoming 1-888-349-7541 Honolulu  Hawaii 1-808-433-0481 Houston  Arkansas, Louisiana, Oklahoma, Texas 1-888-232-2571 ManchesterConnecticut, Maine, Massachusetts, NewHampshire, NewYork, Rhode Island, Vermont 1-800-827-6311 Phoenix  Arizona, California, Nevada, New Mexico 1-888-869-0194 RoanokeKentucky, Maryland, Virginia, Washington,DC, West Virginia 1-800-933-5499 St. PaulIllinois, Iowa, Kansas, Minnesota, Missouri, Nebraska, NorthDakota, SouthDakota, Wisconsin 1-800-827-0611 St. PetersburgAlabama, Florida, Mississippi, PuertoRico, US Virgin Islands 1-888-611-5916 Winston-SalemNationwide Eligibility ONLY 1-888-244-6711 WEB SITE DIRECTORY AddressWhats There?  HYPERLINK "http://www.benefits.va.gov/homeloans/" http://www.benefits.va.gov/homeloans/ Lenders Handbook, VA forms, FAQs, information pamphlets, Regional Office directory  HYPERLINK "http://vip.vba.va.gov" http://vip.vba.va.gov Veterans Information Portal Includes TAS, WebLGY & condo and builder listings. HYPERLINK "http://www.va.gov/vaforms" www.va.gov/vaforms HYPERLINK "http://www.benefits.va.gov/homeloans/train.asp"www.benefits.va.gov/homeloans/train.asp VA Forms Free training on the VA Home Loan Guaranty Program, including live satellite / internet streaming broadcasts, web-based courses, and streaming On-demand targeted videos. http://vetrecs.archives.govNational Personnel Records Center (Obtain military records.) www.nasdva.comNational Association of State Directors of Veterans Affairshttp://va.pay.govFunding Fee Payment System  www.military.comMilitary pay charts, housing, installations, etc.  HYPERLINK "http://va.reotrans.com" \o "REOTrans.com - Manage and Sell Foreclosed Properties" http://va.reotrans.comNationwide VA acquired property listings  HYPERLINK "http://www.mortgage-x.com" www.mortgage-x.comMortgage calculators, find a lender, closing costs explained, etc. (Independent information service, not affiliated with any lending institution.)  Training Broadcasts for Industry Partners and Program Participants FY 2010 Broadcast Schedule - Programs will air at 12:00 Noon Eastern Standard Time (EST) and can be viewed via streaming video on the web (links will be added below on the day of the broadcast) or at HYPERLINK "http://www.homeloans.va.gov/contact.asp" \o "Loan Guaranty Service Regional Loan Centers"VA Regional offices. For more information, contact yourHYPERLINK "http://www.homeloans.va.gov/contact.asp" \o "Loan Guaranty Service Regional Loan Centers" Regional Loan Center. November 18, 2008 - VA Homeloans 101 (For Lenders, VA Staff and Veterans) December 16, 2009 - Eligibility (For Lenders, VA Staff and Veterans) January 26, 2010 - LAPP and SAPP Update (For LAPP SARS, SAP SARS and C&V Staff) February 24, 2010 - Quality Assurance for VA Staff (LGY Staff) March 24, 2010 - Loan Administration Post Audits (Servicers and LA Staff) April 21, 2010 - 3rd Annual "Not So Trivial Pursuit" (LGY Staff) May 19, 2010 - Appraisal Management System (Fee Appraisers, LAPP and SAPP SARS, and C&V Staff) June 9, 2010 - Lender Game Show (Lenders and LGY Staff) July 14, 2010 - The VA ReView Season 5 (Lenders and LP and C&V Staff) August 18, 2010 - 4th Annual Fee Appraiser Session (Fee Appraisers, LAPP and SAPP SARS and C&V Staff) September 22, 2010 - Loan Guaranty News and "Open Phones" (Lenders, Servicers, LGY Staff and Veterans) Streaming Internet and Videos Loan Guaranty has produced 18 short videos (One hour or less) targeted to provide just-in-time training on specific subjects for Lenders about the VA home loan program. They are available via On-Demand streaming video at  HYPERLINK "http://www.benefits.va.gov/homeloans/train.asp" http://www.benefits.va.gov/homeloans/train.asp Titles are:   INCLUDEPICTURE "http://www.homeloans.va.gov/Images/new2.gif" \* MERGEFORMATINET Homes for Heroes INCLUDEPICTURE "http://www.homeloans.va.gov/Images/new2.gif" \* MERGEFORMATINET Assistance for Veterans With Non-VA Loans INCLUDEPICTURE "http://www.homeloans.va.gov/Images/new2.gif" \* MERGEFORMATINET Contract to Closing INCLUDEPICTURE "http://www.homeloans.va.gov/Images/new2.gif" \* MERGEFORMATINET Servicemembers Civil Relief ActVA Borrowers: There are Alternatives to Foreclosures (17:50) Guidance on Servicing VA Home Loans During National Disasters (8:27)The Appraisal System (12:28)American Dream for Americas Veterans (29:00)Special Homes for Special Vets/Specially Adapted Housing (12:00) The Certificate of Eligibility (16:00)Restoration of Entitlement (14:52)VA Myth-busters (18:29)Active Duty Issues in Underwriting (26:12)So, You've Been Selected for an Audit (19:14)VA Home Loans & You (18:35)VA Income Guidelines (19:52)Refinancing for Lenders (12:31)Energy Efficient Mortgages (7:30) PAGE  PAGE 2 of  NUMPAGES 16 U S Department of Veterans Affairs Veterans Benefits Administration Loan Guaranty Service Training Unit - 264B http://www.benefits.va.gov/homeloans/broadcast.asp page 16 NOQR^_`bnopqrst 9:WXlm/0ҭCJ CJOJQJ CJ$OJQJ5CJ OJQJ5CJ0OJQJ5CJ0OJQJ^J jCJU j# CJUjJ UV jCJUjJ UV jU 56CJ$56CJOJQJ56CJ$OJQJ5CJ05CJ(OJQJCJ(2=NOPQst1$ $&dPa$$1$a$ MN  79:UWXPxxTi$$Ifl0z !04 la $$1$Ifa$$1$IfXilmX|i$$Ifl0z !04 la $$1$Ifa$$1$If,/01235RT|||ii & F &dP$1$a$i$$Ifl0z !04 la $$1$Ifa$$1$If 0135RSh%&./0k { | }  / D  z{!BWXdzTdeNe*5<Ǿ>*^J >*OJQJ5>*OJQJ5>*OJQJ5CJ(OJQJ56>*OJQJ56OJQJOJQJ^JaJOJQJ\^J5OJQJ^JCJaJ5CJ$OJQJ 5OJQJOJQJ;RSgh%&./01B <$ & Fa$$ & Fa$$ & Fa$$a$ & F 5$7$8$9DH$ & F $a$<=IQZt   : ; c d e f g h & F $a$$ & Fa$$ & Fa$$ & Fa$$8^8a$h i j k | }   / 0 T f   e & F  & F 8 & F 8 & F1$ & F & F &dP & F e |   & F$If & 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