VA & IRRRL
VA IRRRL Temporary Buydown Rules 2026: 2-1, 3-2-1, and 1-0 Structures Explained
VA IRRRL temporary buydown rules for 2026: whether 2-1, 3-2-1, and 1-0 structures are allowed, who funds the escrow, and how recoupment math works.
VA & IRRRL
VA & IRRRL
VA IRRRL Power of Attorney Rules for Deployed Veterans (2026)
Deployed and need to close a VA IRRRL? Learn how a specific POA, alive-and-well certification, and OCONUS notarization make a legal 2026 signing possible.
VA & IRRRL
VA IRRRL for Surviving Spouses in 2026: Eligibility, Entitlement Restoration, and Refinancing a Deceased Veteran’s Loan
Yes, a surviving spouse can refinance a deceased veteran's VA loan via IRRRL in 2026. See eligibility, Code 06/07, funding fee waiver, and entitlement rules.
VA & IRRRL
VA IRRRL Appraisal Requirements 2026: When Waivers Apply
The VA doesn't require an appraisal on an IRRRL, but lender overlays can force one. Here's when a VA streamline refi still needs a property valuation in 2026.
VA & IRRRL
VA IRRRL Second Lien Subordination and Resubordination Process (2026)
Refinancing your VA loan with a HELOC or home equity second? See how VA IRRRL subordination works in 2026: process, timeline, fees and denial fallbacks.
VA & IRRRL
VA IRRRL Escrow Reserves and Initial Deposit Rules (2026)
VA IRRRL escrow reserves explained for 2026: why the VA requires none, what RESPA's 2-month cushion cap allows, and how the initial deposit is calculated.
VA & IRRRL
VA IRRRL Escrow Account Transfer Between Lenders in 2026
Switching lenders on a VA IRRRL? See how RESPA governs your old escrow refund, what the new lender collects at closing, and how to dodge double-paid taxes.
VA & IRRRL
VA IRRRL on a Manufactured Home in 2026: Term Limits, Seasoning and What Lenders Add On Top
Learn the 2026 VA IRRRL rules for manufactured homes, including seasoning, 36-month recoupment, the 0.5% funding fee, term limits and lender overlays.
VA & IRRRL
VA IRRRL LTV Limit 2026: What Underwater Veterans Can Actually Close
The VA sets no LTV cap on an IRRRL, but lender overlays draw the real ceiling. Here's where underwater veterans get stopped in 2026 and how to close.
VA & IRRRL
VA IRRRL Discount Points and 0.50% Rate Reduction Rules (2026 Guide)
VA IRRRL 2026 rules: how many discount points you can finance, the 90% LTV trigger, cash-at-closing limits, and the 0.50% fixed-to-fixed rate reduction rule.
VA & IRRRL
VA IRRRL After Divorce or Veteran’s Death: Who Can Refinance in 2026
VA IRRRL rules for divorce and surviving spouses in 2026: who can stay on, who must come off, the co-obligor exception, funding fee, and quitclaim timing.
VA & IRRRL
VA IRRRL Cash Back at Closing in 2026: The $500 Rule, EEM Exception, and What Actually Counts
VA IRRRL cash back at closing in 2026: the $500 lender-consultation rule, allowed refunds, the EEM exception, and what's never permitted under VA rules.