@Jack Halldin my understanding is that although there is no income/credit verification required, they will still need to see credit and some of the info just to process the application online. Correct me on the details please
Ultimately, the VA IRRRL is awesome, and I don't see it biting you in the butt because you aren't pulling any equity out of the home, simply lowering your interest rate. also, you don't have to refinance for 30 years, you could refinance to the exact number of years you currently have left on the loan, and lower your interest over 1%, which would be a big win in my eyes!
We did a VA IRRRL not too long ago on our home and that information isn't needed. Don't worry about not having it on there. In many cases, the more information you include on the 1003 is more things to the underwriter to questions and request docs on so if it isn't necessary, no reason to hold up the process. You're not committing mortgage fraud. It's all because the IRRRL is so streamlined.
All the government loans (VA, FHA, USDA) have their own streamline process that doesn't require income or credit. Your lender is correct
It's a VA IRRRL loan. IRRRLs are (interest rate reduction loan) streamlined because theres no loss of equity (ie a cashout).
NINA (no income no assets) is commonly accepted for IRRRLs. If there's something strange, underwriting may request some supplementary docs.