Underwriting VA Loans
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- Benjamin Hampton
- 8 years ago
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1 Curse Agenda Underwriting VA Lans This curse prvides clear instructin fr thse lking t add the VA prgram t their existing prduct mix. The curse explains guidelines and prvides strng advice frm industry experts wh have wrked with the prgrams persnally. The target audience wuld include prcessrs, underwriters, quality cntrl staff, and anyne wh wants t better understand the underwriting prcess f VA lans. Participants will be intrduced t VA lan prgrams, VA eligibility and entitlement, applicant and prperty requirements. By the end f the curse, students will be able t distinguish between Cnventinal and VA lan requirements. Determine VA lan guaranty based n eligibility and entitlement; calculate VA lan maximum mrtgage and, perfrm a credit analysis f brrwer dcumentatin cnsisting f incme, asset, and liability; as well as determining allwable seller cntributins and clsing csts. Classes cnsist f fur 90-minute live sessins with instructrs delivered thrugh the WebEx cnferencing platfrm. Learning Gals and : By the end f this prgram the participants will be able t: List a variety f VA lan prgrams Recgnize the VA hme lan eligibility criteria fr veterans and active duty service member Calculate the VA maximum mrtgage amunt fr applicants under varius circumstances Distinguish eligible and ineligible prperty types fr VA financing Be familiar with requirements t rder appraisals, review appraisals and deliver Ntices f Value t the veteran brrwer Use autmated underwriting systems t help determine VA lan dcumentatin and make credit decisins Explain the key difference between cnventinal and VA guidelines with regard t credit histry, incme/emplyment and financial assets Cmprehend the residual incme analysis methd f qualificatin and VA s qualificatin rati requirement differs frm cnventinal mrtgages Prgram Assessment: Participants will be prvided a student manual fr each f the fur sessins. Participants will be required t cmplete an assessment at the end f each f the fur sessins t assess mastery f the cntent. T receive the Certificate f Cmpletin participants must receive a curse ttal f 75% r greater. Underwriting VA Lans
2 Sessin One Tpics Intrductin t Department f Veterans Affairs VA lan prgram basics Eligibility and Entitlement Lan Applicatin Requirements Required VA disclsures VA Lan Prgrams VA Lan Limits VA Funding Fee Cmplete the VA Maximum Mrtgage Calculatin Exercises fund n the curse site Define the purpse f the VA State the benefits VA lans Recgnize the disclsures required with a VA lan Define a variety f VA Prgrams Calculate the VA maximum mrtgage amunt Underwriting VA Lans
3 Sessin 2 Tpics Seller Cncessins Clsing csts Fees Premium Pricing Prperty Eligibility Prperty types Airprt restrictins Cnstructins - New, existing and prpsed Manufactured hmes Mdular hmes Farms Appraisal Prcessing Prcedures Ordering Frms Appraiser requirements NOV Review the VA case study and determine hw the lender can save the deal Determine allwable seller cncessins Recgnize eligible prperty types Recgnize the requirements and prcesses fr rdering and reviewing appraisals Underwriting VA Lans
4 Sessin 3 Tpics Navigating WebLGY Autmated systems Brrwer Qualificatins Emplyment and Incme Funds t clse Credit histry and bligatins CAIVRS Residual Incme Cmpensating Factrs Review the case study and using the VA Lan Analysis Wrksheet calculate the applicant s residual incme and debt-t-incme rati. Make a lan decisin, and list cmpensating factrs, if applicable. Navigate the VA prtal, specifically WebLGY Use autmated systems as a pwerful tl t help determine VA lan dcumentatin requirements and make credit decisins Explain the key differences between cnventinal and VA guidelines with regard t credit histry, incme/emplyment, and financial assets Apply the residual incme analysis methd f qualificatin and explain hw VA s qualificatin rati requirement differs frm cnventinal mrtgages Underwriting VA Lans
5 Sessin 4 Tpics Prcessing and Underwriting Prcedures Agents and Spnsring Lenders Prir Apprval versus Autmatic LAPP VA QC Findings VA Refinance Optins IRRRLs Cash-ut Refinance Cnstructin-t-Permanent Differentiate the delegated VA underwriter and delegated appraisal reviewer requirements fr Supervised Lenders, Nn-Supervised Lenders and Agents Review the requirements fr a VA Interest Rate Reductin Refinance Lan and VA Cash-ut transactin Underwriting VA Lans
Underwriting VA Loans
Curse Agenda Underwriting VA Lans The VA Hme Lan Guaranty has been prviding ur servicemen and wmen the pprtunity t btain the American Dream f hmewnership since Wrld War II. Many veterans lk t these prgrams
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