The VA streamline refinance, tested against the rules that protect you
Test 2: seasoning
Rule check
The statute says the refinanced loan cannot be guaranteed until the later of two dates: 210 days after the first payment due date of the loan being refinanced, and the date the sixth monthly payment was made on it. Both conditions must be satisfied.
Last reviewed against the primary sources listed below.
Work out your date
- Find the first payment due date on your current loan.
- Add 210 days.
- Find the date you made your sixth monthly payment.
- Your earliest date is the later of the two.
IRRRL questions
How soon can I refinance a VA loan with an IRRRL?
No earlier than the later of 210 days after the first payment due date and the sixth monthly payment on the current loan.