SUPPLEMENTARY INFORMATION:

Title: VA-Guaranteed Home Loan Cash-Out Refinance Loan Comparison Disclosure.

OMB Control Number: 2900-0875 https://www.reginfo.gov/​public/​do/​PRASearch.

Type of Review: Reinstatement with change of a previously approved collection.

Abstract: All-VA guaranteed cash-out refinancing loans must comply with 38 U.S.C. 3709 and 38 CFR 36.4306. All refinancing loan applications taken on or after the effective date that do not meet the following requirements may be subject to indemnification or the removal of the guaranty. Failure to provide initial disclosures to the Veteran within 3 business days from the initial application date and at closing may result in indemnification of the loan up to 5 years. There are three categories of refinance loans; Interest Rate Reduction Refinancing Loans (IRRRL), TYPE I Cash-Out Refinance, and TYPE II Cash-Out Refinance. For this renewal, the burden decreased due to the removal of the training information collections and a decrease in the VA Cash-Out Refinancing Loan volume, which reduced the number of participating respondents from 480,000 to 146,000 and, in turn, lowered the total annual burden hours.

An agency may not conduct or sponsor, and a person is not required to respond to a collection of information unless it displays a currently valid OMB control number. The Federal Register Notice with a 60-day comment period soliciting comments on this collection of information was published at 91 FR 9336, February 12, 2026.

Affected Public: Individuals or Households.

Estimated Annual Burden: 12,167 hours.

Estimated Average Burden per Respondent: 5 minutes.

Frequency of Response: Two-Times per loan.

Estimated Number of Respondents: 146,000.

Authority:44 U.S.C. 3501 et seq.

91 FR 24965