Tough situation?I am currently in a 30-year VA fixed mortgage at 6.875%. I have poor credit. For a variety of reasons, I missed two or three payments and am now on a repayment plan with my mortgagor. I am interested in a IRRRL refinance. I meet all the requirements except the requirement that you can't have more than one 30-day late payment in the past year. However, after reading the VA guidelines, they offer an exception process whereby if the loan is delinquent, the lender must obtain prior approval from the VA. Can anyone recommend or point me to lenders who would be willing to work with me to obtain an IRRRL based on my circumstances?Thank you,RickNovember 03 2010 - Durham00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.