VA IRRRL Loan

VA IRRRL (INTEREST RATE REDUCTION REFINANCE LOAN)

The very long name says it all!

If you have a VA Loan, you may qualify for a refinance to lower your interest rate. And to make it even better, you may not need to pay anything out of pocket or get a property appraisal.* It’s a way of thanking you for your incredible service to our country.

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Just for Veterans

A VA IRRRL is especially for those who are serving or have served our country and already have a VA Loan.

Easy Feesy

Some customers will qualify for this loan with no money out of pocket. A funding fee is required, but it can be financed into the loan.

Good to Know

Most buyers will see a drop in their payment. However, if you use an IRRRL to refinance an adjustable-rate loan into a fixed-rate loan, your rate may actually go up.

Just for Veterans

A VA IRRRL is especially for those who are serving or have served our country and already have a VA Loan.

Easy Feesy

Some customers will qualify for this loan with no money out of pocket. A funding fee is required, but it can be financed into the loan.

Good to Know

Most buyers will see a drop in their payment. However, if you use an IRRRL to refinance an adjustable-rate loan into a fixed-rate loan, your rate may actually go up.

RATES CHANGE FAST, SO DON’T WAIT.

OUR EXPERT MORTGAGE PROFESSIONALS ARE STANDING BY TO DISCUSS YOUR GOALS

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* In some cases, a VA Interest Rate Reduction Refinance Loan (IRRRL) refinance may require an appraisal and/or full income and asset documentation and full credit qualification. This requirement will increase fees and required paperwork. A licensed Mortgage Professional can inform you of all options available to you as well as the program requirements.

** Estimated monthly savings based on comparing your current monthly payment to a potential new monthly payment after refinancing. Refinance rate used in this estimate based on primary borrower’s FICO score, estimated loan to value ratio, unpaid balance, remaining loan term and is subject to change daily and may not be available at the time you apply and lock. Your actual payment and rate will vary based on the actual payoff balance of your current loan and the rate at the time you apply and lock. Monthly savings are the result of a lower interest rate and may also be the result of a longer loan term compared to your current loan.

This is not a commitment to lend. All loans are subject to credit and property approval. This offer is non-transferable and may not be combined with any other mortgage offer. Advertised offer is subject to change. If a personal code is present on the advertised offer, you must provide such code to claim the offer. We may gather information about you including, but not limited to, credit bureau information, information for verification of income, information for appraisal and verification of property being used for collateral. We also verify your identity. Income, assets, and debt must meet eligibility requirements as established by Government and/or Lender guidelines.