Tool
Type classifier
Classification
Enter the payoff of the loan being refinanced, the new loan amount including any financed funding fee, and whether the current loan is VA-backed. The classifier shows the likely type and which protections apply. Nothing is preselected or stored, and it is not a government tool.
Last reviewed against the primary sources listed below.
Type One / Type Two · https://vacashoutrefi.com/type-classifier.html · General education only; nothing you entered was stored.
How to read your result
The result names the likely type based on whether the new loan exceeds the payoff, and the protections that apply to that type.
- Type: likely classification.
- Protections: which rules apply.
- Lender decides: final classification.
What to do next
Ask your lender to confirm the type in writing and show the protections on your disclosures.
Lender confirms
The lender's classification on your disclosures is the one that counts.
Type questions
Why does the fee matter?
VA counts it in the loan amount.