VA IRRRL (Interest Rate Reduction Refinance Loan)
The VA IRRRL is the VA's streamline refinance — similar to the FHA streamline. Minimal documentation, no appraisal required, and no income verification. The goal is simple: lower your rate.
- Current loan must be a VA loan
- No appraisal required
- No income verification
- Can finance the funding fee into the loan
- Must result in a lower rate (net tangible benefit)
- Closes in 2-3 weeks
VA cash-out refinance
The VA cash-out refinance lets you tap your home equity — up to 100% LTV for a rate-and-term, or up to 90% LTV for cash-out. You can use it to pay off debt, fund home improvements, or convert a non-VA loan into a VA loan.
- Up to 90% LTV for cash-out
- Up to 100% LTV for rate-and-term (paying off a non-VA loan)
- No mortgage insurance
- Funding fee applies (can be financed)
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