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LOAN GUARANTY SERVICE
APPENDIX C
PC GENERATED LETTERS (PCGL)
Contents
LP NumberLetter NamePageLP-14Denial of a COE3LP-27Request for Loan Package for Full Review6LP-28Release of Liability Information7LP-29aApproval of Request to Assume a VA Loan12LP-32aApproval of a Release of Liability13
NOTE: The C&V letters on PCGL have been programmed into The Appraisal System (TAS). The use of the TAS letters is mandatory.
DEPARTMENT OF VETERANS AFFAIRS
[Insert RLC Address Here]
[Insert RLC Website Here]
[Insert Date] In Reply Refer To:
[Insert name and
address
here]
Dear :
We processed your application for a [Certificate of Eligibility for Home Loan Benefits or a Certificate of Veteran Status. - choose the appropriate entry] and made a decision. This letter will tell you what was decided and why, and what you can do if you disagree with our decision.
What Did We Decide?
Regretfully, we determined that you arent eligible for a [Certificate of Eligibility for Home Loan Benefits or a Certificate of Veteran Status]. We made this decision after reviewing the documents you gave us as well as other information available to us.
Reasons for Decision
We denied your application because [insert appropriate language from 1st set of optional paragraphs for any reason for denial].
[Then insert appropriate matching clause from 2nd set of optional paragraphs which matches the reason for denial]
[Optional para to be inserted if the COE was denied, but a Certificate of Veteran Status was granted:
Certificate of Veteran Status
While youre not eligible for the VA home loan program, you are eligible for a Certificate of Veteran Status for a home loan insured by the U.S. Department of Housing and Urban Development (HUD). The enclosed Certificate of Veteran Status may reduce your downpayment if you get a HUD-insured loan. You should give this Certificate to your lender. ]
2.
What If You Disagree?
If you think our decision is wrong, you should write and tell us why. The enclosed VA Form 4107 explains your right to appeal.
Sincerely,
LGO
Enclosure
[Optional Paragraphs:
First Set:
Didnt Serve Required Number Of Days:
you didnt serve the required number of days.
Character Of Service Doesnt Qualify For Benefits:
your character of service doesnt entitle you to home loan benefits.
Period Of Service Was Active Duty For Training:
your DD Form 214 shows that your period of service was active duty for training. The law defines active duty as full-time duty in the Armed Services, other than active duty for training.
Second Set:
Minimum Service Time:
based on the dates of service you listed on your VA Form 26-1880, Request for a Certificate of Eligibility for VA Home Loan Benefits and noted on your DD Form 214, the law states you must have served the minimum service time. For your service era, the required minimum service time is:
EraDatesMinimum Service Time WW II9/16/40 - 7/25/4790 daysPeacetime7/26/47 - 6/26/50181 continuous daysKorean6/27/50 - 1/31/5590 daysPost Korean2/01/55 - 8/04/64181 continuous daysVietnam8/05/64 - 5/07/7590 daysPost Vietnam5/08/75 - 9/07/80181 continuous days Enlisted:9/08/80 - 8/01/902 years Officers:10/17/81 - 8/01/902 yearsPersian Gulf8/02/90 present 2 years or period called to active duty, not less than 90 daysSelected Reserves & National Guard10/28/92 9/30/076 years
Law Requires Honorable Or General Discharges:
The law limits these benefits to veterans with Honorable or General Discharges.
Active Duty For Training Doesnt Count:
The law states that active duty for training does not count toward service time for home loan benefits.
DEPARTMENT OF VETERANS AFFAIRS
[Insert RLC Address Here]
[Insert RLC Website Here]
[Insert Date] In Reply Refer To: 362/262
[Insert name and
address
here]
Dear:
We have guaranteed the following loan and randomly selected it for full review.
VA LOAN NUMBERLENDER LOAN #VETERANDATE OF LOAN[insert VA LIN here][insert lenders loan #][insert veterans name][insert closing date]
What We Need
Please submit a copy of your loan origination documents as listed in Sections 5.05 and 5.06 of the VA Lenders Handbook.
What You Should Do
Submit the requested documents to the following address within 15 days of the date of this letter:
Department of Veterans Affairs
Loan Production Section
[insert RLC address here]
Please place this letter on top of the package to help us to properly route it.
If You Have Any Questions
If you have any questions, you may contact our Quality Control Unit at [insert phone number here].
Sincerely,
[Insert Name]
[Insert Title]
DEPARTMENT OF VETERANS AFFAIRS
[Insert RLC Address Here]
[Insert RLC Website Here]
[Insert Date] In Reply Refer To:
[Insert name and
address
here]
Dear:
We are responding to your request for a Release of Liability (ROL) on your VA loan. This letter explains what an ROL is, how you can get an ROL, and information about restoring your VA home loan entitlement.
What is a Release of Liability?
An ROL releases you from responsibility for making payments on your loan. If the buyer defaults and VA has to reimburse the lender for any loss, you wont owe anything to VA. You still have to contact your lender and ask them to release you from liability. VA has no authority to require that the lender release you from your responsibility to repay the loan.
Requirements for a Release of Liability
To get an ROL from VA, the three following conditions must be met:
The loan must be current, and
The buyer must sign a contract to purchase the property and to assume your liability, and
The buyer must meet VA credit and income guidelines.
What Do You Need to Do?
To obtain an ROL, please send us the items listed on Enclosure 1.
Will Your VA Entitlement be Restored?
Your entitlement is not automatically restored if the ROL is approved. If a veteran is buying your home, your entitlement may be restored if the veteran agrees to substitute his or her VA entitlement for yours. This is referred to as a Substitution of Entitlement (SOE). Restoring your entitlement will allow you to use it to buy another home. However, if a non-veteran assumes your loan, your entitlement wont be restored until the loan is paid in full.
What is Needed to Substitute Entitlement?
For veterans to substitute entitlement, the three following conditions must be met:
1. The veteran-buyer is approved for an ROL and
The veteran-buyer will occupy the property and completes enclosed VA Form 26-8106, Statement of Veteran Assuming GI Loan, and
The veteran-buyer has enough entitlement to substitute for yours. Both buyer and seller must provide their original Certificates of Eligibility or complete and return the enclosed VA Form 26-1880, Request for a Certificate of Eligibility for VA Home Loan Benefits.
Where Do You Send the Completed Application?
Return the completed application package to:
Department of Veterans Affairs
Street Address
City, State, & Zip
Please be sure all forms are signed and include your VA case number on all forms.
When Can You Expect an Answer?
Please allow up to six (6) weeks for us to process the application package. You can help us to speed up the process by completing all forms and submitting all requested documents.
If you have questions, please contact our office at the above address or call us at 1-800-XXX-XXXX.
Sincerely yours,
Loan Specialist
Enclosures
Enclosure 1
ROL CHECKLIST
To get an ROL please send us the following items:
A. To be completed by Seller:
symbol 134 \f "Symbol" \s 12 Enclosed VA Form 26-6381, Application for Assumption Approval and/or
Release from Personal Liability to the Government on a Home Loan
symbol 134 \f "Symbol" \s 12 Copy of recorded Transfer Deed including assumption clause
Note: The Transfer Deed must contain the assumption clause as shown on Enclosure 2
symbol 134 \f "Symbol" \s 12 $5.00 for a credit report
B. To be completed by the buyer:
symbol 134 \f "Symbol" \s 12 Enclosed VA Form 26-6382, Statement of Purchaser or Owner Assuming Sellers Loan
symbol 134 \f "Symbol" \s 12 Enclosed VA Form 26-6807, Financial Statement
symbol 134 \f "Symbol" \s 12 Copies of W-2 forms for past 2 years
symbol 134 \f "Symbol" \s 12 Latest original pay stubs or LES (if active duty military) showing one months income
symbol 134 \f "Symbol" \s 12 Two (2) most recent bank statements
symbol 134 \f "Symbol" \s 12 If self-employed, signed copies of latest two (2) years Federal tax returns plus current year-to-date profit and loss statement and balance sheet
[Alternate] Enclosure 1
ROL CHECKLIST IN DIVORCE CASES
If the veteran is awarded the property, we need the following three (3) items to release the ex-spouse from liability to VA:
Cover letter stating your request.
Copy of the recorded deed transferring the property from your ex-spouse to you.
Note: The Transfer Deed must contain the assumption clause as shown on Enclosure 2
Copy of final Divorce Decree
If the non-veteran is awarded the property, in addition to the items listed above, please send us the following six (6) items to release the veteran from liability to VA:
symbol 134 \f "Symbol" \s 12 Enclosed VA Form 26-6382, Statement of Purchaser or Owner Assuming
Sellers Loan
symbol 134 \f "Symbol" \s 12 Enclosed VA Form 26-6807, Financial Statement
symbol 134 \f "Symbol" \s 12 Copies of W-2 forms for past 2 years
symbol 134 \f "Symbol" \s 12 Latest original pay stubs or LES (if active duty military) showing one months
income
symbol 134 \f "Symbol" \s 12 Two (2) most recent bank statements
symbol 134 \f "Symbol" \s 12 $5.00 for a credit report
If the non-veteran is self-employed, please also provide:
symbol 134 \f "Symbol" \s 12 Signed copies of latest two (2) years Federal tax returns plus current year-to-date profit and loss statement and balance sheet
Enclosure 2
Assumption Clause For Transfer Deed
Please give this exhibit to your attorney or closing agent prior to closing and recordation. If the recorded Transfer Deed does not contain the Assumption Clause as shown below, VA will prepare a separate assumption agreement. All parties will be required to sign the assumption agreement before we will grant you the ROL.
ASSUMPTION CLAUSE:
The Grantees, as part of the purchase price and consideration for this deed, assume and agree to pay the indebtedness evidenced by the mortgage (or deed of trust) made by ___________ (original borrower) to _____________ (original lender). This mortgage is recorded in the office of _____________, in book _________ and page __________. For the same consideration Grantees also agree to assume the obligations of (Name of veteran) under the terms of the instruments creating the loan to indemnify the Department of Veterans Affairs (VA) to the extent of any claim payment arising from the guaranty or insurance of the indebtedness mentioned above. This liability to VA is under the authority of Chapter 37, Title 38 of the United States Code, and supersedes any State or local law barring or limiting deficiencies following foreclosure of real property.
DEPARTMENT OF VETERANS AFFAIRS
[Insert RLC Address Here]
[Insert RLC Website Here]
[Insert Date] In Reply Refer To: 362/262
Mr.
Anytown
Anycity
Dear:
After reviewing the lenders decision, we have approved your request to assume the VA home loan from (insert sellers name). We will notify the lender and seller of our decision.
What Do You Need to Do?
You should contact the lender to obtain an assumption package. This package contains the information you will need to close the sale.
Substitution of VA Home Loan Entitlement
If you are a veteran you may substitute your VA home loan entitlement for that of the veteran who first obtained the loan. This may permit you to refinance your loan to a lower interest rate in the future. This will also restore the original veterans entitlement. Contact us for details.
If You Have Questions
If you have questions, please contact our office at the above address or call us on our toll free number ***.
Sincerely,
LGO
DEPARTMENT OF VETERANS AFFAIRS
[Insert RLC Address Here]
[Insert RLC Website Here]
[Insert Date] In Reply Refer To: 362/262
Name
Address
City
Dear:
We have approved your request for release of liability on your VA home loan. This letter explains what this release means and how it affects your VA home loan entitlement.
What Does This Release Mean?
A release of liability means that you are no longer responsible to us for making payments on your VA home loan. You still have to contact your lender and ask them to release you from liability. VA has no authority to require that the lender release you from your responsibility to repay the loan. Were sending a copy of this letter to the people who bought your house and assumed your loan. They are now responsible for the monthly payments.
Was My Entitlement Restored?
Your entitlement hasnt been restored. It may be restored if you sold your house to a veteran who is willing to substitute his entitlement for yours. Otherwise you wont get your entitlement back until the loan is paid in full.
If your buyer cant make the loan payments the loan may go into foreclosure. If VA has to pay a claim to the lender this would create a federal debt. We wont insist that you repay VA, but the law says that we cant restore your entitlement unless we are paid back for our loss.
How Do I Apply For A Substitution Of Entitlement?
To request a substitution of entitlement, you may contact us at 1-800-827-1000.
Sincerely,
LGO
2
PCGL User Guide March 1, 2002
Appendix C, Loan Guaranty Service
LP-10
Loan Guaranty Fact Sheet
LP-14 PAGE 5
Denial of a Certificate of Eligibility
LP-27 PAGE 6
Request for Loan Package for Full Review
LP-28 PAGE 8
Release of Liability Information
LP-28 PAGE 11
Release of Liability Information
LP-29a PAGE 12
Approval of Request to Assume a VA Loan
LP-32a PAGE 13
Approval of a Release of Liability
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