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Documentation Checklist

VA IRRRL Documentation Requirements

Streamlined documentation for a faster, simpler refinance. Most IRRRL applications require minimal paperwork.

Required Documents

The VA IRRRL program requires significantly less documentation than traditional refinancing

VA Documentation

Certificate of Eligibility (COE)

Required

Proves your VA loan eligibility

Note: We can often obtain this for you automatically

DD-214 (if applicable)

Discharge or separation papers

Note: Only if COE is not available

Current Loan Information

Recent Mortgage Statement

Required

Shows current loan balance and payment

Note: Most recent statement from current lender

Original Loan Documents

Note and deed of trust from current VA loan

Note: Helps verify loan terms and eligibility

Identification

Government-Issued ID

Required

Driver's license or passport

Note: Must be current and valid

Social Security Card

Required

Or document showing SSN

Note: For identity verification

Pro Tip: CMG Home Loans can often obtain your Certificate of Eligibility electronically through the VA's systems, eliminating the need for you to request it yourself.

Documents NOT Typically Required

One of the biggest advantages of VA IRRRL is what you DON'T need to provide

Income Documentation

  • Pay stubs
  • W-2 forms
  • Tax returns
  • Bank statements

Property Documentation

  • Appraisal report
  • Home inspection
  • Title report
  • Survey

Asset Documentation

  • Investment accounts
  • Retirement accounts
  • Gift letters
  • Proof of reserves

This streamlined process saves you time and hassle!

VA IRRRL Process Timeline

From application to closing in 30-45 days

1
Day 1-3

Application

  • Submit initial application
  • Provide required documents
  • Credit check performed
  • COE obtained
2
Day 4-15

Processing

  • Loan file reviewed
  • Interest rate locked
  • Title work ordered
  • Disclosures prepared
3
Day 16-25

Underwriting

  • Final loan review
  • Conditions cleared
  • Clear to close issued
  • Closing scheduled
4
Day 30-45

Closing

  • Final documents signed
  • Loan funded
  • First payment scheduled
  • Welcome package sent

Preparation Tips

Follow these tips for a smooth and fast IRRRL refinance

Gather Documents Early

Collect all required documents before starting your application to speed up the process

Respond Quickly

Prompt responses to lender requests help maintain the 30-45 day timeline

Keep Documents Secure

Use secure methods to transmit sensitive documents and keep copies for your records

Review for Accuracy

Double-check all information on documents for accuracy before submission

Ready to Get Started?

Our team will help you gather all necessary documents and guide you through every step

Start Your ApplicationCalculate Savings

Have Questions About Documentation?

Our VA loan specialists are here to help you understand exactly what you need

Call (908) 698-0150

Monday-Friday 9am-6pm EST