{"id":26995,"date":"2018-05-23T14:22:27","date_gmt":"2018-05-23T14:22:27","guid":{"rendered":"https:\/\/one.sightlinemg.com\/airforcetimes\/uncategorized\/2018\/05\/23\/these-changes-to-va-loan-refinancing-rules-are-heading-to-trumps-desk\/"},"modified":"2026-08-08T02:39:07","modified_gmt":"2026-08-08T02:39:07","slug":"these-changes-to-va-loan-refinancing-rules-are-heading-to-trumps-desk","status":"publish","type":"post","link":"https:\/\/one.sightlinemg.com\/airforcetimes\/home-hq\/2018\/05\/23\/these-changes-to-va-loan-refinancing-rules-are-heading-to-trumps-desk\/","title":{"rendered":"These changes to VA loan refinancing rules are heading to Trump\u2019s desk"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Deep in a massive banking reform bill that\u2019s on its way to the president sits a few paragraphs on the VA <a href=\"https:\/\/www.militarytimes.com\/home-hq\/va-loan-center\/2018\/02\/27\/irrrl-101-how-to-use-vas-refinancing-program\/\" title=\"\" class=\"\" target=\"_blank\">home loan refinancing program<\/a> that could change how, and when, veterans can re-do their mortgages.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And it could mean fewer \u201crefinance now\u201d mailers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The Economic Growth, Regulatory Relief, and Consumer Protection Act passed the House on Tuesday, about two months <a href=\"https:\/\/www.militarytimes.com\/home-hq\/2018\/03\/16\/big-bank-reform-bill-that-passed-senate-includes-new-va-loan-refinance-rules\/\" title=\"\" class=\"\" target=\"_blank\">after it cleared the Senate<\/a>. The VA loan-related passages had legislative life before that, coming from <a href=\"https:\/\/www.militarytimes.com\/home-hq\/2018\/01\/12\/bipartisan-senate-bill-targets-predatory-home-loan-practices-aimed-at-vets\/\" title=\"\" class=\"\" target=\"_blank\">a joint bill<\/a> proposed by Sens. Thom Tillis, R-N.C., and Elizabeth Warren, D-Mass., in January.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">What those passages mean for VA loan-holders, should President Trump sign the bill:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>With limited exceptions, borrowers will not be able to secure a VA-backed refinance on their loan until 210 days after their first loan payment or after they\u2019ve made six monthly payments, whichever takes longer.<\/li><li>Lenders must provide borrowers with&nbsp;a \u201cnet tangible benefits test\u201d that outlines the full financial scope of the refinanced loan, so borrowers have a complete picture of what they\u2019re paying and saving over time.<\/li><li>Any fees associated with the refinanced loan must be recouped within 36 months.<\/li><li>Refinanced loans must have a rate at least 50 basis points lower than the original loan\u2019s fixed rate to qualify for VA backing.<\/li><\/ul>\n\n\n\t<aside class=\"smg-interstitial-link wp-block-smg-interstitial-link\">\n\t\t<a href=\"https:\/\/one.sightlinemg.com\/militarytimes\/management\/pay-benefits\/mil-money\/2018\/02\/09\/feds-put-9-lenders-on-notice-about-aggressive-misleading-va-loan-practices\/\" class=\"smg-interstitial-link__inner\">\n\t\t\t\t\t\t\t<div class=\"smg-interstitial-link__media\">\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"158\" src=\"https:\/\/one.sightlinemg.com\/wp-content\/uploads\/2026\/08\/loan-modification-scam-fb.jpg.jpg?w=300\" class=\"smg-interstitial-link__image wp-post-image\" alt=\"\" \/>\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"smg-interstitial-link__content\">\n\t\t\t\t<span class=\"smg-interstitial-link__kicker\">Related<\/span>\n\t\t\t\t<h3 class=\"smg-interstitial-link__title\">Feds put 9 lenders on notice about \u2018aggressive, misleading\u2019 VA loan practices<\/h3>\n\t\t\t\t\t\t\t\t\t<p class=\"smg-interstitial-link__excerpt\">The move comes as &#039;loan churning&#039; concerns continue, with some saying the rapid refinancing can harm both veterans and the VA program.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/a>\n\t<\/aside>\n\t\n\n\n<p class=\"wp-block-paragraph\">Warren and Tillis proposed the original legislation as a way to combat loan \u201c<a href=\"https:\/\/www.militarytimes.com\/pay-benefits\/2018\/01\/10\/experts-va-loan-churning-can-hurt-vets-and-the-mortgage-market\/\" title=\"\" class=\"\" target=\"_blank\">churning<\/a>,\u201d the practice of rapidly refinancing VA-backed loans in a way that may weaken the overall VA mortgage program, according to representatives at the Government National Mortgage Association, better known as Ginnie Mae.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If lenders can\u2019t secure VA backing for refinances until more than six months after a veteran signs a mortgage, such deals would become less attractive to the lender &#8230; and may result in less veteran-centric marketing to new borrowers often hit with mailers and email traffic that push refinancing options.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The new rules could mean fewer &#8216;refinance now&#8217; solicitations for new VA loan holders.<\/p>\n","protected":false},"author":7,"featured_media":53248,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_acf":"","_yoast_wpseo_primary_category":7,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","_smg_distribution_targets":[]},"categories":[7,31],"tags":[],"coauthors":[792],"class_list":["post-26995","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-hq","category-va-loan-center"],"acf":{"subheadline":"","legacy_arc_id":"4DLVBNECRFBL5HZGNHQYEAIRWU","arc_canonical_url":"\/home-hq\/2018\/05\/23\/these-changes-to-va-loan-refinancing-rules-are-heading-to-trumps-desk\/","remove_feature_photo":false,"is_sponsored":false,"subtype":"","redirect_url":"","disable_inline_ads":false,"native_logo_pretext":"Presented 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