My husband and I purchased a used a VA loan for a purchase and closed escrow on XXXX XXXX, 2015. We have received countless letters stating we are eligible for a VA IRRRL loan. At first, I threw a few letters away, but after the fourth or fifth, I called a family member, who happens to be our lender. I know what happens to the original lender when someone refinances within six months of a purchase or a refinance. I now have XXXX letters that I 've kept, describing the VA IRRRL loan. One of the larger lenders has sent one twice, the dates on each notice only being seven days apart. 

I can not believe how shady these companies are, especially targeting XXXX XXXX service members and veterans. I feel bad for people who have been deceived and swindled by dishonest lenders, trying to make a quick buck, and therefore, costing the original lender thousands of dollars. 
