VA LTV Policy Changes (Sent: 2/4/19)

Please be advised:

The Department of Veteran Affairs announced in VA Circular 26-18-30 new policies regarding VA guaranteed refinance loans. For these transactions, the maximum LTV will be limited to 100% of the property value using the total loan amount. These new guidelines are applicable to all applications taken on or after February 15, 2019.

Optimal Blue is preparing to support this change and an exact installation time will be provided when available.

It is important to note that Optimal Blue does not collect an application date and these new guidelines will apply to all searches performed after the update is made in production, even if the new guidelines are not relevant because the application date is before the effective date. If you use Optimal Blue’s Change Request or Historical Search functionality, after the update is applied in our Production environment you must process all post lock changes for VA refinances with LTVs over 100% and application dates prior to February 15th manually. You can disable the ability for Loan Officers to request post lock changes in the system by using the Secondary Options page to turn off this functionality at the loan level. Fortunately, we have determined these guideline changes don’t impact a significant number of loans.

If you have any questions related to turning off the post lock functions for affected loans or about these changes in general, please feel free to reach out to your Client Services Team at

The Optimal Blue Team

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