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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.
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07/14/2026
First time homebuyer here with zero experience doing this, the Lithgow team made the process super simple and took the time to fully explain everything every step of the way.
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