VA IRRRL Application 


Step Process

Thank you for choosing Freedomstar Financial to assist with the refinancing of your loan.

To proceed, we will need you to complete the following steps:

Gather Documents


Please gather the following items for your initial submission.

Mortgage Note
Note - 1.png
Note - 2.png
Note - 3.png

It is a 3-4 page document in your current mortgage file. It will look like the example above.

Please send all pages. If you can't find your Note, please notify your loan officer.

Don't let this stop you from proceeding as we can lock your rate without the Note.

Drivers License and Social Security Cards

For borrower and any co-borrowers. If you can not find your social security cards, we can use a DD 214 or you may contact your loan officer and provide them with the number.

Homeowners Insurance Declarations Page
Current Mortgage Statement
  • Home Equity Line of Credit or Second Mortgage - Please send in Mortgage Statement and Promissory Note.
  • Solar Panel Financing - Please send in the Financing Agreement.
  • Solar Panel Lease - Please send in the Lease Agreement.
Download and Sign Borrower Authorization
and Interest Rate Lock Disclosure
Borrower Auth.png
Interest Rate Lock.png

To download click here.

Fill out Online Application and Upload Documents


Please go to our encrypted secure website to enter your pre-application

information and upload materials online at

To JUST upload documents during your refinance

use the following link:

Unfreeze Credit Scores


For instructions on how to unfreeze credit click here.

If already unfrozen, please proceed to step 4.

Recommended (Not Required): To avoid credit bureaus selling your info to telemarketers click on the following link:


Contact your Loan Officer
after you complete steps 1-3.

And that's it!

We will start on your application as soon as possible!

If you have any questions, please feel free to contact us at any time during the process.

Thank you again for choosing Freedomstar Financial!

(888) 659-0033

©2020 by Freedomstar Financial, Inc. 

 All Rights Reserved. We are not affiliated with any government agencies, including the VA, FHA, or HUD.   CA - Loans will be made or arranged pursuant to Bureau of Real Estate License #01984665; CO Mortgage Company Registration 100054512, Regulated by the Division of Real Estate; Florida MBR License #2065. GA Residential Mortgage Licensee; Mortgage Lender License #70335. Regulated by the Bureau of Financial Institutions, Virginia Mortgage Lender License and Mortgage Broker License #MC-7043.  Click on these links to access our Privacy Policy. Licenses, and NMLS Consumer Access - NMLS #1439059. This offer is intended for residents of CA, CO, FL, GA, TX, and VA only.

Freedomstar Financial, Inc. | 111 Deerwood Drive, Ste 200 | San Ramon, CA | 94583
518 N. Chelton, Ste 200 | Colorado Springs, CO | 80909

*Product offered is a loan and lender will place a lien on subject property. Borrower is responsible for paying property taxes, homeowner's insurance and home maintenance. Loan is subject to foreclosure for failure to pay taxes and insurance to maintain the property and to comply with loan terms. Loan Officers' primary objective is to provide a loan to the consumer. Individuals portrayed in photography are not actual borrowers.