VA Lenders Handbook (VA Pamphlet 26-7), Chapter 1, Topic 11 — Maintenance of Loan Records

va-m26-7-ch01-t11

VA Lenders Handbook (VA Pamphlet 26-7), Chapter 1, Topic 11 — Maintenance of Loan Records.

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Verbatim provisions from VA Lenders Handbook (VA Pamphlet 26-7), Chapter 1, Topic 11 — Maintenance of Loan Records — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

VA Pamphlet 26-7, Chapter 1 (Lender Approval Guidelines), Topic 11 — Maintenance of Loan Records

Effective 2019-02-01 · publisher's stamp for this provision

Topic 11. Maintenance of Loan Records Change Date: February 1, 2019 This chapter has been revised in its entirety. a. Requirement Lenders must maintain all loan origination records on VA-guaranteed home loans for at least 2 years from the date of loan closing. Even if the loan is sold, the original lender must maintain all records (or legible copies) for the required period. b. Examples of Loan Records Loan origination records include: the loan application (including any preliminary application), verifications of employment and deposit, all credit reports (including preliminary credit reports), copies of each sales contract and addendum(s), letters of explanation for adverse credit items and discrepancies, direct references from creditors, correspondence with employers, appraisal and compliance inspection reports, reports on termite and other inspections of the property, builder change orders, and all closing papers and documents. c. Accessibility Lenders must make these records accessible to VA personnel conducting audit reviews.

Source: VA Pamphlet 26-7, Chapter 1 (Lender Approval Guidelines), Topic 11 — Maintenance of Loan Records · source URL · snapshot 4cb8feda42a98fec

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Source of record: https://claudeforcompliance.com/regs/va-m26-7-ch01-t11/ · register va-m26-7-ch01-t11 · verbatim, source-snapshotted regulator text from the Claude for Compliance corpus. To work from every register at once, download the corpus and follow the methodology.