VA Seeks Feedback on Refinance Loan Disclosure Form Tweaks
Published Date: 2/25/2026
Notice
Summary
The VA wants your feedback on updating the form used for cash-out refinance loans guaranteed by them. If you’re a veteran thinking about refinancing your home loan, these changes could affect the info you see and share. Comments are open until April 27, 2026, so jump in now to help shape the process and keep things clear and simple!
Analyzed Economic Effects
2 provisions identified: 1 benefits, 1 costs, 0 mixed.
Risk of Losing VA Guaranty
If you are a veteran applying for a VA‑guaranteed cash‑out refinance loan, your lender must provide initial disclosures within 3 business days of the application and again at closing. If those disclosures are not provided, the loan may be indemnified or have the VA guaranty removed, and indemnification can apply for up to 5 years.
Updated VA Cash-Out Refinance Form
If you apply for a VA‑guaranteed cash‑out refinance loan, the VA is proposing changes to the loan comparison disclosure form that you will see and fill out. VA estimates 146,000 respondents annually, an average burden of 5 minutes per response, two responses per loan, and a total annual burden of 12,167 hours.
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