Have interest rates fallen since you obtained your VA loan? Do you have an Adjustable Rate VA loan that you want
to convert to a fixed rate loan? The IRRRL program, also called the VA streamlined refinancing program, may be for you. No appraisal or
underwriting is required and a certificate of eligibility is not necessary.
To request a Certificate of Eligibility for VA home loan benefits, you must complete
VA Form 26-1880 and submit it to one of our
VA Eligibility Centers along with acceptable proof of service as described on the instruction page of the
It's also possible
to obtain a Certificate of Eligibility from your lender. Most lenders have
access to the ACE (automated certificate of eligibility) system. This
Internet based application can establish eligibility and issue an online
Certificate of Eligibility in a matter of seconds. Not all cases can be
processed through ACE - only those for which VA has sufficient data in our
records. However, veterans are encouraged to ask their lenders about this
method of obtaining a certificate.
A Certificate of Eligibility is NOT Necessary
for Interest Rate Reduction Refinance of Existing VA Loan
Your lender may use our e-mail confirmation procedure
in lieu of a certificate if you are obtaining a Interest Rate Reduction
Refinance of an existing VA loan.
If you have specific questions regarding VA home loan
eligibility, e-mail your Eligibility Center. Most questions regarding the VA Home Loan Program are answered in our
Frequently Asked Questions, we ask that you read them prior to sending an inquiry.