IRRRL.net
One of the greatest benefits earned through military service is the VA Home Loan. It gives Veterans and service members the chance to own a home with unmatched advantages—no down payment, no private mortgage insurance, and competitive rates. Building on that same promise, the VA Interest Rate Reduction Refinance Loan (IRRRL) makes it even easier to lower your rate or monthly payment. It’s a streamlined way to keep more of your hard-earned money while continuing to enjoy the powerful benefits you’ve earned.
Why this site matters to you.
As a veteran, you've earned unique benefits that can save you thousands on your mortgage. Our platform is designed specifically for veterans who want to understand and maximize their VA loan refinancing opportunities.
What is a VA IRRRL?
Key Benefits
- ✓Lower your interest rate and monthly payment
- ✓No credit check or income verification required
- ✓No appraisal needed in most cases
- ✓Streamlined application process
- ✓Lower closing costs than conventional refinancing
Eligibility Requirements
- ✓Must have an existing VA loan
- ✓Must be current on mortgage payments
- ✓Must certify you've lived in the home for at least 210 days
- ✓Must demonstrate a net tangible benefit
- ✓No more than 2 late payments in the last 12 months
Why Choose IRRRL?
A VA IRRRL (Interest Rate Reduction Refinance Loan) is specifically designed for veterans who want to lower their interest rate on an existing VA loan. It's one of the most veteran-friendly refinancing options available, offering simplified underwriting and lower costs compared to conventional refinancing.
Calculate Your IRRRL Savings
See how much you could save with a VA Interest Rate Reduction Refinance Loan.
Current market rate
Disabled veterans are exempt from VA funding fees on IRRRLs
Monthly Savings
Estimates shown are for illustrative purposes only and use market average interest rates and closing costs with a 30-year term. To receive a personalized IRRRL quote, start your quote online.
Trusted IRRRL Loan Officers
Work with experienced loan officers who specialize in VA Interest Rate Reduction Refinance Loans and understand the unique needs of veterans.
Patton Gade
National Director of Military Lending
I'm Patton Gade. I have spent my professional career helping veterans through the power of the VA Home Loan benefit.
Get Started with Patton
What Our Veterans Are Saying
"The IRRRL process was incredibly smooth. I saved $200/month on my mortgage payment!"
"Great experience refinancing my VA loan. The team was professional and kept me informed throughout."
"I was skeptical about refinancing, but the savings calculator showed me exactly what I'd save. Highly recommend!"
Frequently Asked Questions About VA IRRRLs
What is a VA IRRRL?
Who is eligible for a VA IRRRL?
What are the benefits of a VA IRRRL?
Are there closing costs with a VA IRRRL?
VA County Loan Limits
Find Your County's VA Loan Limits
Select Your Location
Choose your state and county to view the current VA loan limits for your area
*Loan limits are set by the Federal Housing Finance Agency (FHFA) and may change annually. These limits determine the maximum amount the VA will guarantee for your loan.
Ready to get started?
Our veteran-focused team is here to help you secure the best rates and terms for your VA refinance. Get started today with a personalized quote.