Mortgage Tools / VA refinance

VA Refinance Seasoning.

Check the 210-day clock and payment history against the planned refinance date.

01 / Loan file

Check VA seasoning

Refinance path

How do I choose the cash-out type?

Compare the new loan amount, including the funding fee, to the payoff of the debt being refinanced. Type I is at or below the payoff; Type II is above the payoff. For other liens or unusual transactions, confirm the type with your lender.

Existing loan note date (optional)Used to check the date sequence. It does not start the 210-day clock. First contractual payment due date Proposed closing date Six consecutive monthly payments

02 / Seasoning decision

210-day requirement
Elapsed days at proposed date
210-day threshold
Payment history requirement
Earliest verified seasoning date

Use the signed note, first payment letter, and servicer ledger. Confirm any forbearance, modification, unusual payment history, or separate note and closing dates with your VA lender before closing.

VA references

Seasoning is separate from the refinance’s other eligibility, recoupment and net tangible benefit checks.