The right loan, every time!
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
I could go on and on about these guys, but to keep it short and sweet, these guys are super helpful and on top of things! I loved being able to reach out at almost any time of the day and they would get right back to me and explain...
05/29/2026
Heather Gatewood made my buying experience a pleasant one. She made sure that I was taken care of during the entire process. I highly recommend her to anyone that is interested in purchasing a property!
05/29/2026
We have truly enjoyed working with Michael and team .
Rutledge, TN, 05/28/2026
Rory, it was so fun working with you with our little Jimmy P. lets do another one and hope to see you soon and maybe with Patterson's .
Nashville, TN, 05/28/2026
did a great job in this whole process and communicated very well on everything that was taking place. Lisa is very knowledgeable when it comes to this stuff and I highly recommend her.
Columbia, AL, 05/28/2026
Need a little help?
Let us help you choose the right loan option that is best for you.