Already Have a VA Loan? The Streamline Refinance That Skips the Appraisal — and the Three Tests It Must Pass
Published on: 31/10/2026
The VA streamline refinance skips the appraisal and the income paperwork — but it still has to pass three tests: 210 days and six payments, a rate drop of at least half a point, and costs paid back within 36 months. On a $350,000 loan at 8.00%, dropping to 7.24% saves $182.94 a month.
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