According to the VA, you may be eligible for a refund. The effective date of your VA disability compensation must be retroactive to before the loan closing. For instance, your loan closed on October 15 last year, and your disability compensation is retroactive to October 1 of the same year. Likewise, a disability designation awarded during the loan process entitles you to a refund, even if that refund has to be issued after closing the loan. However, a new disability won't allow you to get a refund on a loan you closed a year ago. Those who think they might be eligible for a refund should call their VA regional loan center at 877-827-3702.