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Education Center

VA IRRRL

VA Streamline Refinance

What is a VA IRRRL?

The Veterans Administration (VA) Interest Rate Reduction Refinance Loan (IRRRL) is a refinance program specifically created for homeowners who currently have a VA loan. The process has been simplified and streamlined, allowing VA borrowers to save money on their mortgage with little hassle. Qualified borrowers must be active duty, veterans, National Guard or a surviving spouse of a veteran.

Benefits of a VA Streamline Refinance (IRRRL)

  • No new appraisal or income verification required
  • Certificate of Eligibility is not required
  • The home does not need to be owner-occupied
  • Closing costs may be rolled into the loan

Work with Experienced Lenders

Not all lenders are able to offer streamlined VA IRRRLs and it is critical that you work with an experienced lender. If your current home loan is VA-insured and you’d like to check for savings opportunities, give one of our loan officers a call.

Contact a VA Loan Officer

All loans subject to approval.

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