Routing # 256078446
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877-649-5172
Choose an award-winning VA Refinance
PenFed is recognized by Money Magazine as a "Best VA Loan Lender."
- Our VA Streamline Refinance (aka Interest Rate Reduction Refinance Loan or IRRRL) makes it fast and easy to lower your rate and payment. There are no closing costs1, down payment, or private mortgage insurance (PMI) required.
- Our VA Cash-Out Refinance lets you access your homes equity for home improvements, debt consolidation, and more.
No matter which option you choose, you get a competitive rate and money-saving benefits — making this ideal for service members, veterans, and spouses.
Try our home loan calculators
Estimated Total Monthly Payment
$2,015
The calculator above is for educational purposes only. Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.
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Speak with a home loan expert:
877-649-5172Enjoy exceptional homeowner benefits
Take advantage of these money-saving benefits – and more!
While you refinance
Save time and money with a great rate and more!
After you refinance
Save even more with these homeowner services!
Learn more about refinancing your home
Articles
What Is an IRRRL?
Do You Qualify for a VA IRRRL?
What is a VA Streamline (IRRRL) Refinance?
VA Streamline Refinancing (IRRRL) Benefits
VA Streamline Refinance FAQs
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Disclosures
1VA Streamline Refinance: Closing Costs covered are Credit Report Fees, Flood Certification, Tax Service Fees, VA Funding Fees, Title Fees, Recording Fees, and Transfer Taxes. Other fees & taxes may apply such as taxes, discount points, pre-paid interest, property taxes, and property insurance, which will be the member's responsibility.
2Except for holidays, rates are updated Monday through Friday at 10:15am EST. The advertised rates and points are subject to change. The information provided is based on 1.0 discount point, which equals 1.0 percent of the loan amount, and assumes the purpose of the loan is to purchase a property with a 30-year, conforming, fixed-rate loan. Loan amount of $450,000; loan-to-value ratio of 95%; credit score of 760; and DTI of 18% or less. The property is an existing single-family home and will be used as a primary residence. The advertised rates are based on certain assumptions and loan scenarios, and the rate you may receive will depend on your individual circumstances, including your credit history, loan amount, down payment, and our internal credit criteria. Other rates, points, and terms may be available. All loans are subject to credit and property approval.
VA IRRRL rates quoted do not require an origination fee.
3Borrower must provide eConsent, agree to participate in the Fast Pass program, and provide required documentation within 5 business days of application. Participation does not guarantee approval. Talk to a PenFed Mortgage Loan Officer for additional details.
4PenFed Credit Union does not represent, nor warrant, any services members purchase through the Househappy® platform of service providers. Any purchases members make through the Househappy® platform are the sole responsibility of the member. HouseHappy® service offerings in Puerto Rico and Guam are more limited and home care service providers are not available in these territories at this time. PenFed will not pay for, nor will it reimburse for, any services purchased through Househappy® and its service providers. Details on these Terms can be found here.
To receive the advertised product, you must become a member of PenFed Credit Union, which is federally insured by the NCUA.
Routing #256078446
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