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.
lender overlays
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.