Getting a VA streamline refinance from a different lender

Sorry you had a bad experience. The process is the same regardless of where you obtain the mortgage. If you want to refinance again there would need to be a benefit to you and the process takes about 30 days.

Correct, you just move forward with the new lender - they'll handle everything. Your current lender can't charge you any additional fees for closing the loan - just any accrued interest or shortage in your escrow account. You will pay new fees to refinance again with the new lender, whatever fees they charge you and there will be some unless they are offset with a credit (meaning a slightly higher rate) so you need to make sure there is a benefit to you other than having your mortgage handled by a new lender. Good luck!

Any approved VA lender can do your refinance... You do NOT have to use the current lender - and a side note... almost without fail, using a different lender will get you a better deal. In MN, WI, and SD, visit www.VA-IRRRL-LOAN-MN.com

It's not required that you use your existing lender, and in fact, most would advise against it.. typically, your existing lender would rather you continue to pay the higher rate, then refinance you into a lower rate.. I'm local here in AZ and we have many lenders who do the VA IRRRL's.. some lenders will require an appraisal or an AVM (automated valuation ) and might have a minimum Loan to Value requirement.. however, I have several lenders who do not ever require an appraisal or AVM.. I would be happy to put together some numbers for you.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres 480-287-5714 WilliamAcres.com

You do not need to use your present lender for your IRRL refinance. It is always best to speak with a few different Lenders and go with the one that you feel will give you the best service. I have several Lenders who strive to provide excellent service after you close and having over 20 years in the business myself - you should be pleased and comfortable referring others to me as well. I work in Flagstaff and Prescott Valley and would greatly appreciate the opportunity to assist you. Nina Penny 480.635.2410 nhpenny@msn.com NMLS#168272

There are minimal documents required for a IRRRL and I am able to close them in a couple of weeks in most cases....I am a fellow veteran and have specialized in VA lending since 1998 feel free to contact me direct for a no obligation consultation... John Schweer 816-517-LOAN (5626)