Carrington Mortgage Services, LLC Wholesale Lending Division

VA Funding Fee Changes

Date: November 28,2011 Subject: VA Funding Fee Changes Bulletin Number: There have been several revisions to the VA Funding Fee schedule over the past couple of months, but it appears

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as though a “permanent” fee structure is now in place and should remain unchanged for the next 5 years. The current VA Funding Fees are as follows:

Loan Fee

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Structure for VA-Guaranteed Loans

Effective: November 22, 2011 through September 30, 2016

Veteran Reservist/National Guard
First Time Use     2.15% 1.50% 1.25%  

2.40%1.75%

1.50%

Down-payment: Less than 5 percent1 At least 5 percent but less than

Less replacement smooth order received.

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Second and Subsequent Use     3.30% 1.50% 1.25%  

3.30%

1.75%

1.50%

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10 percent 10 percent or more

Refinancing Loans     0.50%  

0.50%

Interest Rate Reduction
Other     0.50% 0.00%  

0.50%

0.00%

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1 includes “Cash-Out” Refinancing loans   If you have additional questions, please consult with your Account Executive.  

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