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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
Interlinc was wonderful to work with. Jennifer M and her team were fabulous. Kept us well informed and up to date with everything. Explanation videos were super helpful, thank you all so much!
08/7/2026
you and your team made this process seamless ! Thank you so much for all of your help.
Westmoreland, TN, 08/6/2026
Easy process start to finish. Awesome communication
Elk City, OK, 08/6/2026
Great experience
Mount Sterling, KY, 08/5/2026
Jennifer and her team are great to work with. Knowledgeable, quick and made the closing process super easy.
Mount Sterling, KY, 08/5/2026
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