What banks offer competitive loans for people with 90% LTV?

You needed to be an occupant of the property when you originally took out your VA loan and obtained the VA Certificate of Eligibility, you can obtain an IRRRL when you are no longer living in the home.

Good Sunday morning. Since you have already used your eligibility for a VA loan on the property you intend to refinance, you can refinance your home through what is known as an Interest Rate Reduction Refinancing Loan (aka IRRRL). The occupancy requirement for an IRRRL is different from other VA loans. When you originally got your VA loan, you certified that you occupied or intended to occupy the home. For an IRRRL you need only certify that you previously occupied it. If you would like to get started and take advantage of today's historic low interest rates, you can complete a secure application online. Simply visit http://GVCMortgageInc.com/application or call me on Monday. Enjoy the rest of your weekend. James