Sorting real refinance offers from aggressive mail aimed at VA homeowners
Official-looking mail
Safeguard
Marketers often use eagles, flags, loan numbers and phrases like VA enhancement program or final notice so a letter looks official. VA does not send refinance solicitations, and there is no special enhancement program beyond the IRRRL and cash-out refinance that any approved lender can offer. The fine print usually names the private company that sent it.
Last reviewed against the primary sources listed below.
Look for
- The sender's company name in small print.
- A statement that it is not affiliated with VA.
- A license number you can check.
Mailer questions
Is the VA IRRRL enhancement letter from VA?
No. VA does not mail refinance offers. These letters come from private companies.