Steps to
VA Refinancing
Refinance VA Home Loans
4 Simple Steps to VA Mortgage Refinancing
Step
01
Determine VA Loan Refinance Type
First determine which type of VA Loan Refinance you need. There are three types of of VA Home Loan refinancing: 1) VA Streamline Refinance, 2) Conventional to VA Loan Refinance and 3) Cash Out VA Refinance. For more information on each of these see our VA Mortgage Refinance page.
Pre-Qualify for VA Refinance
The next step for a VA Loan Refinance is to get in touch with a VA Home Loan Specialist at a VA Approved Lender and get pre-qualified. Your VA Home Loan Specialist will be able to help determine which VA Refinance loan is appropriate for you and verify that you qualify for that VA Loan. You can fill out the short form to the right and a VA Loan Specialist will contact you.
Step
02
Step
03
Full VA Loan Application
Once your VA Home Loan Specialist has determined you are pre-qualified for a VA Loan Refinance, they will prepare for you the formal VA Mortgage Loan application on the standard Universal Residential Loan Application all lenders use. They’ll also prepare all the required disclosures for you to sign and provide you with a list of personal documents that will be required for the VA Loan.
Close Your VA Loan Refinance
Once your lender has your VA Home Loan application and documents, they will process and underwrite your loan, including ordering the VA Appraisal if necessary. After your VA Loan is approved, you’ll go to closing at a title agency or attorney’s office where the loan documents are signed. Your old home loan is paid off, your new VA Refinance Loan is put in place, and you’ll soon start receiving your new lower VA mortgage payment statement in the mail.
Step
04
People VA Specialists Helped
I just want to take this opportunity to express my appreciation for all the countless phone calls and hours of hard work that was required by my VA Loan Specialist in closing my loan application. Her patience and persistence in my unusual case was exemplary. She maintained a professional, yet lighthearted rapport with me and my various setbacks. She promised me two things which made me decide to use her as my loan officer (my Realtor said “I can’t believe you trusted someone from the Internet!”) She said “I guarantee the interest rate and I promise to close on time!” She was believable and I’m so glad I trusted her as I firmly believe no one else would have been so dedicated in seeing my loan become successful and close as it did!
Niles / MSG, USA, Ret
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