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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
Mr. Schmuckie did a great job in all respects.
Port Saint Joe, FL, 07/2/2026
Dominique was amazing to work with! 10/10 recommend!
Liberty, KY, 07/2/2026
Everyone was so patient and understanding and went above and beyond to make this loan happen
Maryville, TN, 07/1/2026
Chris has been exceptionally responsive to all my questions and concerns throughout the entire process. I am a returning customer for that reason! Highly recommend!
06/30/2026
Everyone at Interlinc Mortgage was amazing to work with. Very knowledgeable, communication was great and went above and beyond to get the best loan for my client.
06/30/2026
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