Education
How an IRRRL actually works
The same facts your lender must follow — in plain language, with sources.
What's an IRRRL?
The VA's streamline refinance, explained plainly — what it is, who it's for, and why it's the simplest refinance in the mortgage world.
The 210-day seasoning rule
Why you can't refinance the moment rates drop — and why that rule protects you.
The 0.5% funding fee (and who skips it)
The one unavoidable cost of an IRRRL, how it's calculated, and the exemptions that waive it entirely.
The 36-month recoupment test
The break-even math the VA requires — and the same test we run in the open.