VA Refinance Loans
Already have a VA loan, or eligible for one? VA refinance options — including the streamlined IRRRL and VA cash-out refinance — help you lower your payment or tap your home's equity.
Benefits
Why eligible homeowners refinance with VA
Streamlined IRRRL
The Interest Rate Reduction Refinance Loan is designed to lower the rate on an existing VA loan with minimal documentation.
VA cash-out refinance
Tap into your home's equity while keeping the strength of VA-backed financing.
No monthly mortgage insurance
Like VA purchase loans, VA refinances don't require monthly PMI.
An earned benefit
If you've served, this is financing built specifically for you — and it's reusable.
Good fit?
Is a VA refinance right for you?
Not sure if this is the right program? Get a free quote and a loan officer will help you compare your options.
Start my free quote- You have an existing VA loan and want a lower rate (IRRRL)
- You want to access your home's equity with a VA cash-out refinance
- You currently have a conventional or FHA loan but are VA-eligible
- You want to refinance without monthly mortgage insurance
The process
How it works
Start your quote
Tell us about your current loan and your goal — a lower payment, a shorter term, or cash from your equity.
Review your options
Your loan officer lays out the refinance paths that fit, with the trade-offs explained in plain language.
Lock in your terms
Once you choose a direction, we handle the paperwork and keep the process moving.
Close and start saving
Sign your new loan and put the benefit — lower payment, faster payoff, or cash in hand — to work.
Questions
Frequently asked questions
What is an IRRRL?
The Interest Rate Reduction Refinance Loan, or IRRRL, is a streamlined VA refinance designed to lower the rate on an existing VA loan with less paperwork than a typical refinance.
Do I need an appraisal for an IRRRL?
The streamlined IRRRL often involves less documentation than other refinances, and an appraisal is not always required. We'll confirm what's needed for your loan.
What is a VA cash-out refinance?
A VA cash-out refinance lets eligible homeowners replace their current loan and take a portion of their equity as cash, while keeping VA-backed terms.
Is there a funding fee on a VA refinance?
VA refinances generally include a funding fee, which can often be financed into the loan. Some borrowers, such as those receiving VA disability compensation, may be exempt. We'll explain how it applies to you.
Can I refinance from a conventional loan into a VA loan?
If you're VA-eligible, you may be able to refinance a non-VA loan into a VA loan. Get a quote and we'll review whether it's the right move for you.
Ready to get started?
Get your personalized quote in a few minutes — no obligation, no impact to your credit to start. A loan officer will help you take it from there.