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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
Very thankful for fast work Scott did!
Edmond, OK, 02/14/2026
Fantastic job making sure everything went smoothly
La Marque, TX, 02/14/2026
I can’t say enough great things about Horacio and his entire team. This is my second time working with them, and once again they exceeded my expectations. From start to finish, they were exceptional, professional, responsive, knowledgeable, and incredibly supportive throughout the entire process. They truly went above and beyond...
Katy, TX, 02/14/2026
As a first time homebuyer, I was nervous and unsure of what to expect, but Jill and team did an amazing job of walking me through the process every step of the way. Their knowledge and expertise made it a seamless experience. I'm truly grateful for their commitment to service...
Conroe, TX, 02/14/2026
Thank you for always explaining everything in detail And always answering all our concerns.
McAllen, TX, 02/13/2026
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