Various (lender-side)
VA Home Loan - Lender-Side Forms Reference
You are applying for a VA home loan and want to understand the forms your lender is handling.
- Who fills it
- lender
- Journey phase
- Specialty Benefits
- Estimated time
- 10 minutes to review.
- When to file
- N/A - lender-completed forms.
Official VA form page: https://www.benefits.va.gov/homeloans/
Gather before you start
Attach with the form
Report and Certification of Loan Disbursement
VA Form 26-1820What is VA Form 26-1820?
LENDER-COMPLETED. The lender certifies at closing that the loan proceeds were disbursed according to VA requirements. The veteran sees this in the closing package but does not fill it out. Replaced VA Forms 26-0503 and 26-1802a as of February 2023.
(lender action at closing)
Common mistakes
- ×Veteran thinking they need to do anything with this form - it is entirely lender-handled.
Verification of VA Benefits
VA Form 26-8937What is VA Form 26-8937?
LENDER-SUBMITTED. The lender uses this to verify whether the veteran is exempt from the VA funding fee (50%+ SC disability or receiving compensation exempts the veteran). Veterans pay no funding fee if they are rated 10%+ SC OR are surviving spouses of SC-deceased veterans.
(lender submits to VA)
Common mistakes
- ×Not knowing veterans rated 10%+ SC or surviving spouses are exempt from the VA funding fee - this can save thousands of dollars.
- ×Not informing the lender of your disability rating before closing - if exemption is missed, you paid a funding fee you did not owe.
Verification of Employment
VA Form 26-8497What is VA Form 26-8497?
LENDER-SENT to employer. The lender requests verification of your employment (dates, salary, title) from your employer as part of the loan underwriting process. Your employer completes and returns it to the lender. You may be asked to consent to this request.
(lender sends to employer)
Common mistakes
- ×Not informing your employer to expect this form - delays in employer response delay loan closing.
Statutory and regulatory authority
- 38 USC 3702 - Veteran eligibility for VA-guaranteed home loans.