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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
Couldn’t be happier with Alex and his team at InterLinc! Everything went smoothly and Alex made sure I got the best deal that I could qualify for!!!!!
Harvey, LA, 04/17/2026
Alex helped me with first time home buying and was very thorough with everything highly recommend !
04/17/2026
Alex and Cybeil were so incredibly helpful in my journey to buy a home! Everything was done promptly and efficiently, and they were very friendly. Highly recommend to anyone looking for a lender for a home purchase!
04/17/2026
Alex was great and took time after work to help me and was incredibly flexible had a good time working with him! Definitely helped me alot to understand the process as a first time home buyer.
New Orleans, LA, 04/17/2026
yes,very professional and concerning to make sure I was well aware and understood things,as well as providing help with issues
Headland, AL, 04/16/2026
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