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Aug 13, 2019 — VA released VA Circular 26-19-22 August 8, 2019 which clarified and updated VA IRRRL policy. Unless noted below, all other VA IRRRL Interest rates are probably what got you started down this path, so let's begin there. VA IRRRL rates have stayed desirable throughout 2019 and should May 8, 2019 — Loan applications submitted on or after May 9, 2019 must meet the following requirements. There will be no impact to the existing pipeline. When Aug 1, 2019 — Previously, VA did not require a Certificate of Eligibility (COE) on IRRRL transactions. Effective immediately, PennyMac is aligning with the Apr 20, 2020 — As such, all IRRRL applications taken on or after July 26, 2019, must be seasoned based on the requirements announced in Circular 26-19-22. The VA has two refinance products: The Interest Rate Reduction Refinance Loan (IRRRL) and the VA Cash-Out refinance. The funding fees for each type of VA Aug 28, 2019 — All Interest Rate Reduction Refinance Loans (IRRRLs) that do not meet the following requirements may be subject to indemnification or removal of Aug 13, 2019 — All IRRRLs must meet the 36 month Recoupment requirement regardless of term reduction or Loan Term chosen. · Fixed-to-Fixed refinances require at Aug 13, 2019 — All IRRRLs must meet the 36 month Recoupment requirement regardless of term reduction or Loan Term chosen. · Fixed-to-Fixed refinances require at This guidance applied to all VA refinance loans (e.g. IRRRLs and cash-outs). VA has not yet issued new regulations implementing section 309