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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
Great communicator. Everything was timely and went smoothly.
05/5/2026
Great experience with InterLinc Mortgage
05/5/2026
It was a great experience. Everyone was very professional and helpful. Out of state moves are not easy but William and his team made it as painless as possible.
05/5/2026
service and everything was communicated at my expectations
Crosby, TX, 05/2/2026
Overall experience was smooth , the app was handy, the small videos you recieve after each step made it more exciting that your closer to the finish line.
New Orleans, LA, 05/2/2026
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