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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
Jill Thompson and her team were an absolute pleasure to work with. From start to finish they were patient, kind, and incredibly responsive. Every question was answered promptly and the entire process felt smooth and well managed. I highly recommend Jill and her team to anyone looking for a lender...
07/24/2026
Wonderful experience, very smooth and seamless.
07/24/2026
Paul and team are exceptional at what they do. Fantastic service. Clear communication. Quick Delivery. Everything you can ask for in Mortgage Company.
07/24/2026
Absolutely loved this experience with this team. We’re nothing but helping when questions were asked. Even though there was time in between communication that didn’t stop them from reaching out immediately and helping in all ways possible.
07/23/2026
Deanna was amazing, very patient, answered all my questions in timely manner, very informative, she made this process so easy. I appreciate her.
Texas City, TX, 07/23/2026
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