VA interest rate reduction refinance loan (IRRRL)

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Key Considerations

  • You're looking for a VA to VA refinance reusing your original VA entitlement.
  • You do not want to receive any cash from this refinance.
  • You’re a U.S. military Veteran.
  • You're currently serving in the military or military reserves/guard.
  • You may be eligible if you are a commissioned officer of the Public Health Service or the National Oceanic and Atmospheric Administration.*

Visit for additional information on this program.

Key Benefits

  • Low rates
  • No appraisal
  • No income verification**
  • Fixed interest rate
  • Option to include closing costs in new loan
  • Refinance an existing VA Adjustable Rate Mortgage (ARM) to a fixed rate VA IRRRL***