VA Interest Rate Reduction Loan (IRRL) Seasoning Requirement

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VA Interest Rate Reduction Loan (IRRL) Seasoning Requirement

Loan Seasoning

Before the 2018 law change, the VA loan didn’t have any seasoning requirement. However, in order to protect veterans from a few lenders who were practicing a predatory tactic called “loan churning,” a seasoning requirement was added.

In order to qualify for a VA IRRRL, a VA loan must be seasoned for at 210 days and you must have made your mortgage payment for at least 6 consecutive months.

The 210 day countdown begins from the due date of your first mortgage payment.


August 2019
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