Loan types
Yes, you can use a different lender for a VA IRRRL. See 2026 rules, what transfers, lender overlays, and how shopping cuts your streamline refinance cost.
See exactly how VA IRRRL recoupment is calculated in 2026: which closing costs count, which are excluded, the formula, and four worked examples.
VA IRRRL 36-month recoupment rule: how the formula works, which fees count, which are excluded, and when a 2026 streamline refinance fails the statutory test.
The VA IRRRL 210-day seasoning rule requires 210 days plus 6 consecutive payments. See how to count, what resets the clock, and when you qualify in 2026.
Calculate your 2026 refinance break-even point with worked examples across conventional, FHA, VA, and no-closing-cost loans in a 6.5–6.7% rate market.
VA IRRRL funding fee is a flat 0.5% in 2026. See who's exempt, whether to finance it, recoupment math, and how to claim a refund after a disability rating.