kathryn1209
New member
I bought in April ‘23 when rates sucked (7.25). I heard irrrl was available at navy federal (5.6) and they told me I met there requirements and started the irrrl process in Dec. I submitted full doc’s and was in underwriting and they just denied me and said I don’t meet Va eligibility. According to the loan officer, seasoning of 12 months is required, while everything I read from the Va about irrrl is 6 months, so maybe navy has there own rules? I have 4 months to wait according to there rules, but I rather not wait. Can someone tell me if they used navy fed irrrl under 12mo or if they can recommend another ethical Va friendly lender?