VA Streamline Refinances (IRRRL – Interest Rate Reduction Refinance Loan) after a death, divorce or marriage.

The general rule of thumb is that the eligible Veteran must remain on the loan. It’s the entitlement of the Veteran that makes the VA loan possible.

1. Can the divorced Veteran remove a former spouse with an IRRRL? Yes.

2. Can a divorced and re-married Veteran remove the former spouse and add the new spouse with an IRRRL? Yes.

3. Can an eligible Veteran refinance the mortgage into their own name with an IRRRL, substituting their entitlement, even though another Veteran originally purchased the home (When both divorcing spouses are veterans with a VA entitlement)? Yes.

4. Can a Veteran remove a non-spouse with whom he or she originally purchased the house using an IRRRL? Yes.

5. Can a divorced spouse of the eligible Veteran use an IRRRL to refinance? No.

Certified Divorce Lending Professional

When the divorce settlement involves real estate and VA mortgage financing, the Certified Divorce Lending Professional on your team plays a significant role in putting the pieces of the puzzle together by recognizing the hurdles and opportunities available for both parties.

Are you or someone you know going through a divorce where real estate or mortgage is involved? We are the highest rated Certified Divorce Lending Professionals in the Pacific Northwest. Contact us today for a no-obligation consultation: 503.517.8641 or

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