2. Elimination/Consolidation of Certain Certifications Elimination/Consolidation of Certain Certifications Circular 26-08-17

3. We’re eliminating redundancies…

4. We’re consolidating mandatory certifications into a single certification.

5. Processing Changes: VA Form 26-1820, Report and Certification of Loan Disbursement May be signed by any individual authorized to bind the firm to the certifications listed in item 24 of this form.

6. Reserve/National Guard Activation Statement No longer required!* *Lenders must still consider if a veteran may be subject to activation and follow guidance listed in Chapter 4, section 2m, of the VA Lenders Handbook.VA Lenders Handbook *Lenders must still consider if a veteran may be subject to activation and follow guidance listed in Chapter 4, section 2m, of the VA Lenders Handbook.VA Lenders Handbook

7. Underwriter’s Certification for Automated Underwriting System (AUS) Cases No longer required! Underwriter’s Certification for Automated Underwriting System (AUS) Cases No longer required! Certification of data integrity is covered by the Lender’s Loan Quality Certification, located in VA Lenders Handbook, Chapter 4, section 1d, step 7.Chapter 4, section 1d, step 7

8. Consolidation of Certifications Sample on Exhibit A of Circular 26-08-17 Borrower certifications include: Interest Rate and Discount Disclosure Statement Interest Rate Reduction Refinancing Loan (IRRRL) Certification Adjustable Rate Mortgage (ARM) Certification Borrower certifications include: Interest Rate and Discount Disclosure Statement Interest Rate Reduction Refinancing Loan (IRRRL) Certification Adjustable Rate Mortgage (ARM) Certification

9. Consolidation of Certifications Sample on Exhibit A of Circular 26-08-17 Lender certifications include: Lender certification for payment increase Interest Rate Reduction Refinancing Loan Status Power of Attorney Certification oAlive, well and not missing in action statement Late Reporting Certification Lender Loan Quality Certification Lender certifications include: Lender certification for payment increase Interest Rate Reduction Refinancing Loan Status Power of Attorney Certification oAlive, well and not missing in action statement Late Reporting Certification Lender Loan Quality Certification

10. Reminder! These changes do not lessen the responsibility of lenders to underwrite loans in a sound manner in compliance with published VA directives. Instead, the intent is to further simplify the processing of VA guaranteed loans for lenders. After all, we are serving our veterans together! These changes do not lessen the responsibility of lenders to underwrite loans in a sound manner in compliance with published VA directives. Instead, the intent is to further simplify the processing of VA guaranteed loans for lenders. After all, we are serving our veterans together!

11. Reference: Circular 26-08-17 Elimination/Consolidation of Certain Certifications

12. Questions? Contact your nearest VA Regional Loan Center for assistance. www.homeloans.va.gov/rlcweb.htm

13. Thank you for your interest in the VA Home Loan Program! We appreciate you! Thank you for your interest in the VA Home Loan Program! We appreciate you!