
va.gov
https://www.benefits.va.gov/HOMELOANS/documents/ci…
Circular 26-25-10
The Freddie Mac CLL does NOT apply to IRRRLs. For IRRRLs greater than $144,000, VA will guarantee 25 percent of the loan amount, regardless of the Veteran’s entitlement4. 5. Effective Date: The CLL increases are effective for loans closed on or after January 1, 2026. 6. Rescission: This Circular is rescinded January 1, 2027.