Sorting real refinance offers from aggressive mail aimed at VA homeowners
Checking a VA refinance offer
Safeguard
VA does not mail refinance offers to homeowners. Letters with seals, case numbers or names like an enhancement program usually come from private lenders or marketers. A real offer can still be worth considering, but check the company's license, ask for a Loan Estimate and compare it with others. Federal law limits rapid repeat refinancing of VA loans to protect you.
Last reviewed against the primary sources listed below.
ToolMailer checkFive questions about the letter.SpotOfficial-looking mailSeals and case numbers.SpotRed flagsPressure and promises.VerifyChecking the companyLicense and complaints.LawChurning and the lawWhy limits exist.PitchSkipped paymentsWhat really happens.ActReportingWhere to send it.New guideLicense lookupHow to look up a mortgage company or loan officer in the public regist.New guideCompare offersHow to judge whether an unsolicited refinance offer actually helps.GlossaryKey termsPlain definitions with sources.GuidePressure callsSigns of a pushy refinance call and how to respond.GuideTrigger leadsHow credit inquiries can trigger offers from other companies.PrintableLender questionsQuestions to bring to any lender, ready to print.
Independent, not official
This is not a government website. VA's home loan pages describe the real programs.