VA streamline refinance

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.

Jun 29, 2026 · 9 min

Refinancing

VA IRRRL 36-Month Recoupment Rule (2026): Formula, Excluded Fees, and When a Streamline Fails the Test

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.

Jun 20, 2026 · 9 min

VA & IRRRL

VA IRRRL Funding Fee in 2026: The 0.5% Charge, Exemptions, Financing Math, and Refunds

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.

May 21, 2026 · 8 min