VA Loan Electronic Reporting Interface (VALERI) and Veterans Information Portal (VIP)

Updated 2026-05-17

The Department of Veterans Affairs (VA) utilizes several electronic systems to manage its VA-guaranteed loan program and provide resources to veterans. Two key platforms are the VA Loan Electronic Reporting Interface (VALERI) and the Veterans Information Portal (VIP).

VA Loan Electronic Reporting Interface (VALERI)

VALERI is the VA's dedicated electronic system for reporting and uploading documents related to the servicing and status of VA-guaranteed loans. It is a critical platform for loan holders and servicers to comply with VA reporting requirements, ensuring the VA has up-to-date information on its guaranteed loan portfolio. VALERI represents a modern, efficient method for lenders to interact with the VA, complementing and further streamlining the VA Loan Entitlement, Certificate of Eligibility (COE), and Loan Guaranty Certificate (LGC).

Key Functions and Requirements of VALERI

• Loan Status Tracking: Facilitates the VA's oversight of its guaranteed loan portfolio by providing timely updates on loan statuses.
• Paid-in-Full Reporting: Holders of VA-guaranteed loans are required to electronically report the date a loan was paid in full through VALERI. This eliminates the need to mail Loan Guaranty Certificates (LGCs) back to the VA upon loan termination.
• Document Uploads for Assumptions: For VA loan assumptions, specific documentation must be uploaded into VALERI:
  • Holders or servicers with automatic authority must complete all necessary VALERI reporting as described in the VA Servicer Handbook 26-4 Chapter 3.04.
  • For holder/servicer processed assumptions and assumptions appeals and prior approval requests, the credit package and closing package, respectively, are uploaded as PDFs into VALERI under Documents, with the Document Type: 'Release of Liability'.
• Electronic Loan Guaranty Requests: VALERI enables participating lenders to electronically submit loan guaranty requests to the Department of Veterans Affairs (VA) and receive an electronically generated VA Loan Entitlement, Certificate of Eligibility (COE), and Loan Guaranty Certificate (LGC).

Benefits of Electronic Data Interchange (EDI) via VALERI

This paperless processing method offers significant benefits for lenders:

• Quicker Receipt of LGC: Typically, a 48-hour turnaround for the Loan Guaranty Certificate.
• Reduced Paperwork: No need to mail a physical paper package, unless selected for an audit review.
• Flexibility: Ability to submit loans for guaranty virtually anytime.
• Elimination of Forms: No need to complete the va-form-26-0286 (Loan Summary Sheet).
• Cost Savings: Ability to deliver final documents to investors quickly, enabling investors to purchase pool loans faster and reducing the costs of carrying the loan.

For small to medium-sized lenders, the VA collaborated with C.C. Pace Systems to develop Loan Guaranty Express (LGXpress), an easy-to-implement tool designed to offer time-saving and money-saving process improvements for EDI within VALERI.

Compliance

The use of VALERI for reporting is a mandatory compliance requirement for lenders and servicers participating in the VA Home Loan program.

Veterans Information Portal (VIP)

The Veterans Information Portal (VIP), also referred to simply as "the Portal," is an online platform provided by the Department of Veterans Affairs (VA). It serves as a central access point for various VA applications, systems, resources, and information for veterans and authorized users.

Role in VA Mortgage Programs

The VIP provides access to systems relevant to VA mortgage programs, including the Servicer Appraisal Processing Program (SAPP).

• SAR Access: SAPP Staff Appraisal Reviewers (SARs) access the VA E-Appraisal application within VIP to retrieve SAPP appraisals.
• TAS Access: SARs also access The Appraisal System (TAS) through VIP to submit test cases and issue Notices of Value (NOVs).
• Other Requestor Registration: Parties authorized by servicers to order appraisals (e.g., law firms) must register in VIP under their own name as an "Other Requestor."

VA Loan Network

The VA Loan Network is an informational resource that provides guidance and details regarding VA Loan Entitlement, Certificate of Eligibility (COE), and Loan Guaranty Certificate (LGC) and their associated requirements. It serves as a source for understanding specific stipulations, such as those related to Lead-Based Paint Hazards, Abatement, and Regulations for properties financed with VA loans.

VA Loans and the Mortgage Market

While the VIP is an information hub, the VA plays a critical role in the mortgage market by guaranteeing loans for eligible veterans. VA-guaranteed loans are a key component of the mortgage market for service members and veterans. These loans are often pooled and securitized into Mortgage-Backed Securities (MBS) that are guaranteed by Federal Housing Administration (FHA), ensuring their liquidity and availability to lenders. Specific eligibility rules apply for VA refinance loans to be included in Ginnie Mae securities, requiring at least six monthly payments on the original loan and 210 days since the first payment due date.