Streamline Refinance

What is a VA Streamline Refinance?

Looking to refinance your VA loan? A VA loan streamline refinance might be the best option for you. It's a fast and affordable way to refinance your VA loan with no credit score requirement, income verification or bank account verification. Also called the Interest Rate Reduction Refinancing Loan (IRRRL), it allows both active service members as well as veterans to refinance their VA loan with the least amount of hassle possible.

Is a Streamline Refinance Worth the Process?

Your loan officer can spell out all the paperwork and help you decide if a streamline refinance is right for your situation. If your streamline loan rate is not 1-2% lower than your existing VA loan, it might not be worth changing loans.

Can I Use a VA Streamline on an Investment Property?

Yes, although you need to certify that you've previously used the property as your home. The VA streamline refinance is a VA to VA loan, and residency requirements are a little different. However, qualifying is easier if you are the primary resident.

Do I Need my Certificate of Eligibility (COE) for a VA Streamline Refinance?

No, since you needed to provide a Certificate of Eligibility for your original VA loan you won't need to provide it again for your refinance. The new loan "piggybacks" on the existing eligibility.

How Do I Get Started?

As with most big financial decisions, the first step is gathering information and shopping around. We'll help you get the process started by matching you with up to five rates from five lenders, ensuring you find a great fit.

The Streamline Refinance

Find out about the Streamline Refinance. A fast and affordable way to refinance your VA loan with no credit score requirement, income verification or bank account verification.

IRRRL Facts for Veterans

VA Home Loan Streamline Refinance FAQ

Refinancing VA Loans: Reducing Your Mortgage

Is Refinancing Worth Your While?

VA Streamline Refinance Offers: A Personal Experience

VA Streamline Refinance

Purchasing a Home with a VA Loan

For service members and veterans who qualify, a VA home loan is one of their most valuable benefits and a no-brainer over other, traditional mortgage types. If you qualify, you can buy or build a home, or refinance an existing home mortgage. This section offers information on the VA loan process.

What Is a VA Guaranteed Home Loan?

If you want to purchase a home, condominium or manufactured home, the VA can guarantee up to $484,350 of the total loan –...

VA Home Loan: Are You Eligible?

There are five categories for VA home loan eligibility, based on your military service. Do you meet the criteria?

VA Financing & Mortgage Options

The VA guarantees a variety of home loans. There are two basic types of loans with two additional options.

VA Loan High-Cost Counties Map 2019. Source: Federal Housing Finance Agency

VA Loan Limits for High-Cost Counties: Updated for 2021

As of 2020 there is no longer a VA loan limit, but we have provided the previous VA loan limits listed by county.

VA Loan Tips

The VA offers home loan programs to help veterans buy, build or renovate a home or refinance your current home loan. Here are some tips to help you through the VA Loan process.