Rates starting at % (APR %)¹

  • No Closing Costs2
  • No Appraisal
  • No Private Mortgage Insurance (PMI)

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What is VA Streamline Refinance (IRRRL)

VA Streamline Refinance also known as an Interest Rate Reduction Refinance Loan (IRRRL) is a great way to reduce the interest rate, term and corresponding monthly payments on your current VA loan.


VA Cash-Out Refinance

VA Cash-Out Refinance allows you to refinance your loan while taking advantage of the equity you’ve built. The payout can also be used for home improvements or to pay down debt.


Mortgage Knowledge Center

Can I Refinance a VA loan?
VA IRRRL Program - What to Know

The Streamline Advantage

With VA Streamline Refinance there are $0 Closing Costs2

Additional Information


VA Streamline Refinance does not require a property appraisal

A funding fee may be required, but you could qualify for an exemption. Please visit the U.S. Department of Veterans Affairs for more information.

Cash-Out Refinance may require additional documentation to verify:

  • Self-employment income
  • Current liabilities (auto, alimony, credit card, etc.)
  • COE


Mortgage Knowledge Center

How to get a VA Loan?
VA Loan Eligibility: Step by Step

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  • Ready, Set, Refi
  • Selling your Home
  • Buying a Home


1Rates are updated daily at 10:15am EST. The advertised rates and points are subject to change. The information provided is based on discount point, which equals 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.

2Closing Costs covered are Credit Report Fees, Flood Certification, Tax Service Fees, VA Funding Fees, Title Fees, Recording Fees, and Transfer Taxes. Other fees may & taxes apply such as discount points, pre-paid interest, property taxes, and property insurance, which will be the member's responsibility.