VA IRRRL guidelines
Sign up or sign in to read the VA IRRRL guidelines online.
Partners sign in with the email they use for JMAC Connect.
JMAC employee?
Sign in with MicrosoftNeed help? Client Support, 8am–5pm PT, Monday–Friday: (949) 390-2671
What's inside
The full VA IRRRL guidelines, 5 parts and 55 topics, searchable by topic. Sign in to open any of them.
- Matrices1 topicsSTANDARD & HIGH BALANCE: SFR, PUD, Condo, 2-4 Units
- General Eligibility22 topicsATR and QM, High Cost, Subject Mortgage Seasoning, Net Tangible Benefit
- Non-Credit Qualifying9 topicsSocial Security #, Credit Report, Liens, Modifications
- Credit Qualifying - Required When P&I Payment Increases by more than 20%21 topicsSocial Security #, Credit Report, Credit History, Collections
- STATE SPECIFIC2 topicsTexas, ADDING OR DELETING A BORROWER
Not ready to sign in? Ask JMAC can answer a VA IRRRL question from these guidelines.