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where to find info. on VA refinancing?

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November 18 2011 - Horace
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Claudia this is the VA link to VA loan benefits: http://www.benefits.va.gov/homeloans/

Stay warm, Rudi
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November 18 2011
Hi Clauda, a word of advice, while the VA has guidelines for their loan programs, many lender will have internal guidelines they overlay on top of the VA. So while one lender "may" loan strickly according to the VA guidelines, many other will have differing critera.
So it may pay to shop around. what you will find is the lenders who go strickly with VA and have no othe roverlays will be higher in fees  or interest rate. 
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November 19 2011
Claudia, there are 2 types. The IRRRL is for refinancing an existing VA 1st mortgage, you can owe more than the value of the home. The other type is considered a cash out. The cash out refi will allow you to combine a 1st and 2nd ( and a 3rd ) or paying off a 1st mortgage and getting cash out with most lenders capping that at 90% or 95% with a new appraisal. Also available is the IRRRL / EEM which is adding up to 6K to your loan balance for energy improvements.  
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November 18 2011
 
Related Questions
where to find info. on VA refinancing?
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Latest answer by Gordon Haraway
November 19 2011 | 3 answers
  • Asked by claudiabeatrice
  • In Refinance
  • November 18 2011
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