VA Streamline Refinance with no FICO Requirement or Appraisal

According to the official VA loan guaranty guidelines, with a VA Streamline Refinance, lenders are not required to perform credit score verifications, income documentation verification, or.

"FMC accepts Streamlines manually underwritten with no minimum FICO Score. In addition to FHA’s requirements. VA product under the current pricing parameters." Effective June 14th, Kinecta Federal.

No appraisals are required with an FHA streamline refinance. Instead, FHA lenders will use the value of your home at the time of closing. So even if your home is worth less than when you originally purchased it, it will not matter.

We offer the best VA refinance program in the country because unlike most banks and others lenders, there is NO appraisal.. While most banks and lenders require a 640 minimum credit score, our VA IRRRL programs do not require a minimum credit score.If you’ve been turned down in the past from various lenders, you should apply with us.

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The VA IRRRL is sometimes called a VA streamline refinance because of the streamlined documentation process. According to the VA guidelines, no credit check is required – BUT – some lenders will require that a credit check is done and a minimum credit score applies. When looking at the credit scores, the "low mid" credit score is what they look for – each borrower has 3 credit scores and the borrower with the lowest mid score is the one that counts.

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The VA does not require a credit check for a VA streamline refinance, because you’ve already been approved for a loan. That said, most lenders require a credit report to prove that you’re still financially stable and have a good credit history.

To refinance you’ll need an FHA-approved lender. If you don’t want to use your current lender, any bank you choose must be FHA approved. FHA Streamline loans do not require an appraisal, but a no-appraisal loan cannot exceed your current loan. Closing costs must be paid up front or arranged for through a "no-cost" FHA Streamline loan.

Features of Streamline VA refinance loan. 1. No Income Check 2. No Credit Check 3. Skip up to 2 mortgage payments 4. refund existing escrow account 5. No out-of-pocket expenses 6. No appraisal required 7. Fast, in-home closings 8. include up to $6,000 in energy efficiency costs for your home