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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
We would would come back to interlinc 100x over. Going into the process of buying a home I was a nervous wreck due to our timeline & situation, Dominique was always reassuring & the easiest to talk to & work with! Both her & Sierra made what could have been...
Louisville, KY, 04/11/2026
They were so responsive to our needs every step of the way. They provided professionalism and were very easy to work with. What a comfort they have been throughout our home loan journey! Thank you!
04/10/2026
Paul was very helpful throughout the process on our first home.
New Albany, IN, 04/10/2026
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Houston, TX, 04/10/2026
Great customer service . I highly recommend this company.
Converse, TX, 04/10/2026
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