VA IRRRL Refinancing
Lower Your VA Mortgage Payment with a Streamlined VA IRRRL
Fast, no-appraisal VA refinance designed specifically for veterans and service members. Reduce your rate, lower your payment, or switch to a fixed-rate loan.
VA IRRRL Eligibility Checker
Quick check to see if you qualify. No credit impact, no obligation.
IRRRL Savings Snapshot
See how much you could save with a VA IRRRL refinance.
VA IRRRL: Myth vs Reality
Let's clear up common misconceptions about VA IRRRL refinancing.
"You need an appraisal"
VA IRRRL typically doesn't require an appraisal, making the process faster and simpler.
"You need perfect credit"
IRRRL is more flexible than traditional refinancing. Your payment history matters most.
"It takes months to close"
Many VA IRRRLs close in 15-30 days due to streamlined documentation requirements.
"You can't get cash out"
True - IRRRL is rate-and-term only. But that's what makes it so fast and affordable.
"You need tons of paperwork"
IRRRL requires minimal documentation compared to traditional refinancing.
"Closing costs are too high"
Closing costs can be rolled into the loan, and the funding fee is lower for IRRRLs.
VA Statement Analyzer
Upload your current mortgage statement for a personalized IRRRL analysis. We'll review your exact situation and show you potential savings.
Veteran Success Stories
Real veterans, real savings through VA IRRRL refinancing.
James Martinez
Army Veteran
Houston, TX
$340
"Rick made the IRRRL process incredibly smooth. We closed in 3 weeks and I'm saving over $300 every month."
Sarah Chen
Navy Veteran
San Antonio, TX
$285
"I was skeptical about refinancing again, but Rick showed me the numbers. No appraisal, minimal paperwork, real savings."
Michael Thompson
Air Force Veteran
Austin, TX
$410
"Switched from an adjustable to a fixed rate and lowered my payment. Rick knows VA loans inside and out."
See If a VA IRRRL Can Lower Your Payment
Join thousands of veterans who have reduced their mortgage payments with a streamlined VA IRRRL refinance.