VA IRRL Eligibility Calculator
You are only eligible for a VA IRRL once you reach 210 days from your first payment on your Veteran Administration Loan.
Date of First Loan Payment:
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The Day You Become Eligible:
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Congratulations, you are eligible for a VA IRRL!
You are not eligible for a VA IRRL yet.
Is your VA loan up-to-date with no payments 30 days or more past due?
Yes, no late payments.
No, I am currently behind.
Will the new loan result in a reduction of your monthly principal and interest payment, or are you refinancing from an ARM to a fixed-rate loan?
Yes - reduction of your monthly principal and interest.
No - ARM to a fixed rate.
Are you the original veteran borrower or a surviving spouse who was obligated on the VA loan being refinanced?
VA Borrower
Surviving Spouse
Should be Empty: