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Topic 1: Manual Guaranty Requests
Change Date: March 2, 2026
· Topic 1, Section b, Table 1, Item 8 has been updated to include the lender’s provision of invoices for itemized fees under Circular 26-24-19.
a. Background
The Department of Veterans Affairs (VA) Loan Guaranty Service (LGY) expects lenders to electronically request evidence of guaranty (the Loan Guaranty Certificate (LGC)) through VA’s designated electronic loan system (WebLGY or subsequent system). The stacking order provided in section b is to be used in instances where the lender is unable to obtain an electronic LGC, or in cases where VA requests lenders to upload a manual guaranty request.
The file should be uploaded as a single-file Portable Document Format (PDF) into VA’s WebLGY or subsequent system to the correspondence section of the loan record as a ‘Prior Approval Loan Package’. If the file size exceeds VA’s limit, it is permissible to split the file, but it should still follow the stacking order.
b. Manual Guaranty Request Stacking Order
Table 1: Manual Guaranty Request Stacking Order
Order Document
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1 Lender’s cover or transmittal letter, including the reason for submission, and specific point of contact, email, and phone number.
2 If a loan is submitted more than 60 days after loan closing, a statement signed by a corporate officer of the lender which identifies the loan, provides the specific reasons for late reporting, and certifies that the loan is current. This statement must be submitted with any late request for issuance of an LGC .
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3 VA Form 26-8937, Verification of VA Benefits (if applicable)
4 (For Purchase and Cash-Out Refinances Only) Evidence of compliance with Notice of Value (NOV) requirements such as, final compliance inspection, termite certification, and/or warranty.
If an escrow of funds is necessary to complete unfinished repairs, provide the escrow holdback agreement. Once the repairs are complete the lender must provide evidence of completion. Refer to Chapter 9 for additional information on Escrows for Postponed Completion of Improvements.
5 Uniform Residential Loan Application (URLA)
The initial and final application to be provided in the loan file. The final should be fully executed by the borrower(s) at final terms of the loan.
6 (For Cash-out Refinances Only) Evidence of the Net Tangible Benefit
(NTB) that was met. NTB Test disclosures, evidence that the lender provided the disclosures to the Veteran within three business days of application and at closing.
7 (For IRRRLs Only) The final disclosure reflecting the NTB and recoupment, and evidence that the lender provided the disclosures to the Veteran within three business days of application and at closing. If applicable, the Veteran’s statement may be combined with the lender’s certification that the Veteran qualifies for the new monthly payment which exceeds the previous payment by 20% or more.
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8 Closing Disclosure Statement and invoices for itemized fees under Circular 26-24-19.
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9 VA Form 26-1820, Report and Certification of Loan Disbursement
10 (For Purchase and Cash-Out Refinances) VA Form 26-6393, Loan Analysis, including any necessary explanations regarding the underwriter’s determination of creditworthiness.
11 Copies of the fully executed Note and Mortgage/Deed-of-Trust
12 (For IRRRLs and VA to VA Cash-Out Refinances Only) Evidence the loan meets seasoning for example, a ledger balance or servicing statement to show at least six consecutive payments were made.
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13 Lenders Loan Quality Certification , signed by an officer of the company
14 Evidence that any principal reductions were applied to the loan, this includes principal reductions for overcharges or those required to cure.
Example: recoupment.
15 (For Purchase and Cash-Out Refinances Only) If the loan is joint loan made to two or more Veterans using entitlement, the Veterans’ signed statement requesting an uneven split of entitlement, if applicable.
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16 Any other documentation requested by VA to issue the LGC.
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38 C.F.R. § 36.4303(f)
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12 C.F.R. § 1026.38
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38 C.F.R. § 36.4340(k)