The VA doesn't require an appraisal for a Streamline IRRRL, however it is allowed and at the discretion of the lender. Penfed is a notoriously conservative lender, so it is one of their requirements. They will keep it on my loan requirements if I want to proceed with them.
Started out with a 648 EQ in 2018, finally got to 850 FS8 TU | 836 FSU EX in November 2021!
