Refi Safeguards method
How we research
Safeguard
Every page on Refi Safeguards starts from a question a reader is likely to ask and ends with the primary source that answers it. VA guidance on refinance protections, CFPB fraud resources and complaint tools are the main references for spotting bad offers, and they are rechecked first.
Last reviewed against the primary sources listed below.
Where questions come from
Search suggestions show how people phrase their questions. We collect those for free, group them and answer the ones inside this site's scope.
Sources we rely on
Pages cite these primary sources, among others. Each guide lists the exact sources it used at the bottom of the page.
- VA: VA home loans
- VA: Interest rate reduction refinance loan
- VA Circular 26-19-22: Policy guidance for IRRRLs under Public Law 115-174
- VA Circular 26-18-30: Revisions to VA-guaranteed cash-out refinancing home loans
- 38 U.S. Code section 3709: Refinancing of housing loans (LII)
- CFPB: Fraud and scams
- CFPB: Consumer Complaint Database
- Consumer Access: the national mortgage licensing lookup
How a page is checked
- Each rule is checked against the current version of its source document.
- Simplified explanations are reread against the original text.
- A page shows a new review date only after it has been rechecked.
Pages written this way
- Is the VA enhancement program letter real?
- Red flags in VA refinance solicitations
- How to check a mortgage company before refinancing
- VA loan churning: what the law does to stop it
- Can you really skip mortgage payments when you refinance?
- Where to report a misleading VA refinance offer
- How to check a mortgage company's license
- Comparing a refinance offer with your current loan
About the Refi Safeguards mailer check
Nothing entered into the Refi Safeguards mailer check leaves your device, and no field comes prefilled.
VA and consumer protection sources
- VA: VA home loans
- VA: Interest rate reduction refinance loan
- VA Circular 26-19-22: Policy guidance for IRRRLs under Public Law 115-174
- VA Circular 26-18-30: Revisions to VA-guaranteed cash-out refinancing home loans
- 38 U.S. Code section 3709: Refinancing of housing loans (LII)
- CFPB: Fraud and scams
- CFPB: Consumer Complaint Database
- Consumer Access: the national mortgage licensing lookup