In a move designed to protect veterans from unscrupulous lenders, the Department of Veterans Affairs is announcing changes to cash-out refinance loans. The new rules block most veterans from getting a VA cash-out refinance loan until either 210 days after their first loan payment or after they've made six monthly payments, whichever takes longer; require lenders to give veterans documents that explain all the details of the refinanced loan, so borrowers have a complete picture of what they're paying and saving over time; require any new fees associated with the refinanced loan to be paid off within 36 months; and require all refinanced loans to have an interest rate at least ½ of 1 percent lower than the original loan. Read more about the new regulations on Military.com.