2026-03752Notice

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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Key Dates

Published Date
Comments Due
2/25/2026
4/27/2026

Department and Agencies

Department
Independent Agency
Agency
Veterans Affairs Department
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