Every VA IRRRL enquiry, scored before it reaches your CRM
The intake confirms the loan is VA-backed, captures the refinance goal and occupancy history, and collects a current mortgage statement and Certificate of Eligibility before any file reaches your CRM.
The exact intake your va interest rate reduction refinance leads complete
This is the real 5-question guided intake for VA Interest Rate Reduction Refinance — the same flow your customers finish before you ever pick up the phone.
What a qualified va interest rate reduction refinance lead should tell you
A streamlined refinance available only to borrowers who already hold a VA-backed loan, used to lower the interest rate, reduce the monthly payment, or convert from an adjustable to a fixed rate, with eligibility tied to occupancy history and current payment standing.
- Current Mortgage Existing Va-Backed
- Main Goal Refinancing
- This Property Primary Residence,
- Current On Mortgage Payments
- Soon Complete This Refinance
The questions your team needs answered
Every va interest rate reduction refinance intake asks these — and why each one matters.
| Question | Why it matters |
|---|---|
| Is your current mortgage an existing VA-backed loan? | VA IRRRL is only available to borrowers who already hold a VA-backed loan, so this answer determines base eligibility before any other field matters. |
| What is your main goal for refinancing? | The stated goal (rate, payment, or fixed conversion) helps your team confirm the refinance meets the net tangible benefit standard VA lenders look for. |
| Is this property your primary residence, a former primary residence, or a rental you currently own? | Whether the property is a current primary residence, former primary residence, or rental changes both eligibility and documentation requirements under IRRRL rules. |
| Are you current on your mortgage payments with no missed payments in the last 12 months? | VA IRRRL guidelines are strict about recent payment history, so a missed payment in the last 12 months lowers the file's readiness even if the loan is VA-backed. |
| How soon are you looking to complete this refinance? | Timeline separates borrowers ready to lock a rate now from those still comparing options, shaping how quickly a pre-approval call should be booked. |
How Cliont scores va interest rate reduction refinance leads
Every answer is weighted automatically — no manual review required.
Value signals
- Current Mortgage Existing Va-Backed: yes
- Current primary residence
- Former primary residence
- Currently a rental property
- Current On Mortgage Payments: yes
Urgency signals
- Immediately
See the lead your team receives
VA IRRRL Lead
From first click to qualified lead
Follow prospects and clients through one smooth, guided flow.
They land & meet you
Your video greeting plays instantly — a real face instead of a blank form.
They explain the project
Smart questions adapt to their project and capture the full scope.
They share the details
The scope and any documents come attached, so you can scope before the first call.
You get a ready lead
Scored and qualified — waiting for you to win it.
Built for va interest rate reduction refinance workflows
| Cliont capability | VA Interest Rate Reduction Refinance application |
|---|---|
| Weighted scoring model | Weights VA-backed loan status and current payment standing highest, since both are core eligibility checks for VA IRRRL before any file is worth working. |
| Conditional branching | Occupancy answers (current primary, former primary, rental) route to different scoring paths rather than being treated as a single pass/fail field. |
| Document upload capture | Collects the current mortgage statement at intake so loan officers can confirm VA-backed status without a manual back-and-forth before the first call. |
| Automatic CRM routing | Sends only leads with a confirmed VA-backed loan and current payment history straight to your CRM, keeping files that can't close IRRRL out of your pipeline. |
Common va interest rate reduction refinance lead scenarios
Rate lock, ready to move now
Borrower confirms an existing VA loan, is current on payments, and selects 'Immediately' for timeline — the intake flags this as urgent and high value for a same-week pre-approval call.
Former primary, now a rental
Borrower occupies the property differently than a current owner-occupant, which the intake captures separately since former-primary and rental status carry different weight than a current primary residence.
Missed a payment recently
Borrower is on an existing VA loan but has had a late payment in the last 12 months, which the intake still routes through but scores lower given VA payment-history requirements.
Not sure this is the right move
Borrower selects 'Not sure' for their refinancing goal and 'Just exploring options' for timeline, letting the intake surface this as a lower-urgency lead rather than a call-ready file.
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Unlimited intake forms and leads for your growing business.
- Unlimited intake forms
- Custom video greetings
- AI-powered voice bot
- English + Spanish support
- Automatic lead scoring
- Digital estimates & e-signatures
- Photo, video & file upload
- Advanced analytics dashboard
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Only pay when you receive a qualified lead.
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- AI-powered voice bot
- English + Spanish support
- Automatic lead scoring
- Digital estimates & e-signatures
- Photo, video & file upload
- Charged only for submitted leads
More mortgage refinance intake templates
VA Interest Rate Reduction Refinance lead-intake FAQs
What happens if the borrower's current loan isn't VA-backed?
The intake still records the answer, but since VA IRRRL eligibility depends on an existing VA-backed loan, a 'no' here should be reviewed before booking a pre-approval call — it may signal the borrower actually needs a different refinance type entirely.
How does the intake handle borrowers who no longer live in the property?
The occupancy question distinguishes between a current primary residence, a former primary residence, and a currently rented property, since VA IRRRL rules and lender risk differ across those three situations.
Does the intake ask for proof of the existing VA loan?
Yes — alongside the yes/no question on VA loan status, the intake collects a current mortgage statement so your team can verify the loan is VA-backed before a call is scheduled.
How are missed payments in the last 12 months scored?
A borrower who reports missed payments is still passed through, but is weighted lower than one who confirms they're current, reflecting how VA payment-history standards affect IRRRL eligibility.
How is this intake different from the one for Rate-and-Term Refinance?
This intake opens with the VA-backed loan check specific to IRRRL eligibility, while Rate-and-Term and Cash-Out Refinance intakes ask about current loan type and cash-out amount instead — each subservice in the library uses its own qualifying question set.
What if the borrower just picks 'Not sure' for their refinancing goal?
That answer is still captured and delivered to your CRM, but combined with a 'just exploring' timeline it signals a borrower who likely needs education before a pre-approval call makes sense.
Turn va interest rate reduction refinance visitors into qualified clients
Give every va interest rate reduction refinance visitor a guided intake instead of a dead contact form — and get a scored, qualified lead before you take the first call.