In the video above Jeff Newton from National VA loans / Community First National Bank talks about VA IRRRL credit requirements. If you are a veteran home owner wanting to lower your interest rate the VA IRRRL might just be the thing you are looking for. Many veterans unfortunately have less than perfect credit. Well the good news is with the VA IRRRL program credit is not a big factor. That being said every lender has different qualifications. If you would like to talk with a VA mortgage specialist call 855-956-4040.