VA Refinance Loans

VA IRRRLs (Interest-Rate-Reduction Refinance Loans)

VA IRRRLs (Interest-Rate-Reduction Refinance Loans)

What are VA IRRRL loans?

A VA IRRRL—often called a VA Streamline—is a refinance that replaces an existing VA-guaranteed mortgage with a new VA loan at a lower interest rate or that converts an ARM to a fixed rate. Because the Department of Veterans Affairs already guarantees the original loan, the IRRRL needs no income documentation, no appraisal, and no underwriting in most cases.

VA Cash Out Refinance

What are VA cash-out refinance loans?

A VA cash-out refinance replaces any existing mortgage—VA, FHA, conventional, or even a free-and-clear deed—with a new VA-guaranteed loan that can pay off the prior lien(s) and return cash to the borrower. With full entitlement, the new balance may reach 100 % of the property’s reasonable value for qualified borrowers, plus the VA funding fee and up to $6,000 for energy improvements.

Benefits of a VA Refinance

Disclaimer: By refinancing your existing loan, your total finance charges may be higher over the life of the loan.

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