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A VA IRRRL (Interest Rate Reduction Refinance Loan) is a streamlined refinance option for those with an existing VA loan. It allows eligible borrowers to reduce their interest rate or convert an adjustable-rate VA mortgage into a fixed-rate mortgage with minimal documentation and underwriting.
VA – Interest Rate Reduction Refinance Loan (IRRRL)
Benefits of a VA IRRRL include:
- No property appraisal may be required
- No new Certificate of Eligibility (COE) required
- Low funding fee of 0.5% (waived for eligible disabled veterans)
Important Note: A VA IRRRL can only be used to refinance an existing VA loan. It cannot be used to refinance a non-VA mortgage. The IRRRL reuses your original VA entitlement.
what our customers say
The customer experience was amazing. Fast response times and lots of patience!
06/12/2026
The whole team was awesome, but Dominique was exceptional to work with! Very understanding and knowledgeable!
Bowling Green, KY, 06/11/2026
I am incredibly satisfied with the customer experience I received from the team. Fast response times and had the patience to handle my many questions. Would definitely recommend them.
Conroe, TX, 06/11/2026
Ronda smith was great to work with she help me with all the questions I had and helped me understand the process of getting a house, I highly recommend her
06/10/2026
The entire process was very smooth.
Texas City, TX, 06/10/2026
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