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The VA IRRRL Program is as easy as 3 steps. The first step is to apply. Click on the "Apply Now" hyperlink in the menu bar and fill out the secure online form. Step two is to email, fax, or upload the neccessary documents listed on the "Documents Needed" web page. The final step is closing. We send a notary public to your home, place of business, or location of your choosing. Once, the closing takes place there is a 3 day recission period before funding of the loan.
If you need help with the process please click on the chat now button at the top of this page.
In further detail:
Step One- Fill out the online form. Be sure to fill out the form completely with accurate information so there is no delay to the process. It's ok if you do not know or do not have some of the information. A loan processer assigned to your IRRRL will call you to collect any additional information not filled out. It is important to have your current mortgage statement and DD214 available when filling out the application. You may also need your homeowner's insurance declaration page and your Note when filling out the form accurately. Please call us at anytime 443-402-6457 if you have questions.
Step Two- Email or fax the required documents to 240-223-4770 or to firstname.lastname@example.org. Once again, the documents required to complete the program are your Promissory Note, your driver's license, your social security card, and your most recent mortgage statement. You can easily scan these items and email them to email@example.com or fax them to 240-223-4770. If you like you can request a prepaid FEDEX label from the loan processor. They will email you the label and all you have to do is print the label and drop your documents off at a FEDEX location or you can call 1-800-GO-FEDEX and schedule a time for FEDEX to pick up the documents and hand deliver them to us. If you send originals we will make copies at our offices and send them back to you via FEDEX. After completing step one, your loan processor will call you and will email you the application for E-signing. Once you complete the E-signing at your computer, the documents are sent securely to us. We take over from there and process your application with the additional documents you provided.
Step Three- Close your VA IRRRL. Your loan processor will call you to schedule a closing. This can be at your home, at your place of business or at a location that you approve. The notary service is flexible and will accomadate the time that you request. They will come out as early as 8 AM and as late a 10 PM. After step three there is a 3 day recission period in which you can cancel at any time. After the recission period your loan funds and the process is complete.
As you can see the process in its entirety will take up about 30-40 minutes of your time and can save you thousands of dollars upfront and ten's of thousands of dollars over the life of the loan. The entire program from start to finish will take about 10-15 business days.
If you have any quesitons click on the chat link at the top of this page or call us directly at 443-402-6457.
Credence Funding Corporation is not a government agency, and is not affiliated with any other mortgage lender or banking institution. Credence Funding Corporation is sponsored by the Veterans Administration. Credence Funding Corporation is a licensed Mortgage Lender. Licensed by the Maryland Department of Finacial Regulation 06-20051, Licensed by the Colorado Division of Real Estate, Licensed by the Florida office of Financial Regulation MLD 1041, Licensed by the Georgia Department of Banking and Finance 36848, Licensed by the New Jersey Department of Banking and Insurance, Licensed by the Pennsylvania Department of Banking and Securities 39247, Licensed by the Texas Department of Savings and Mortgage Lending, Licensed by the Virginia Bureau of Financial Institutions MC5662. Licensed by the Tennessee Dept. of Financial Institutions License #124448. Licensed by the California Dept. of Business Oversight License 60DBO44661. Licensed by the Washington Dept. of Financial Institutions License CL-878490
Contact Credence Funding Corporation to find out more about the products and services we can provide. Regarding TEXAS residents and, properties located in TEXAS: "CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV."
Illinois: James R. Thompson Center, IDFPR-Residential Mortgage Banking, 100 W. Randolph, 9th Floor, Chicago, Illinois, 60601 Tel: (844) 768-1713