Streamline Refinance Program(IRRL) for VA Loans

 Have a VA loan?
 No more than 60 days late on your mortgage?
 Had your loan for more than 90 days?
 Want to lower your payment?

Congratulations, you are pre-approved for a Streamline Refinance!*

*Subject to verification of the above

 
 
It's really that easy! Take advantage of the single largest benefit of your VA loan by streamlining! Also known as the IRRL or Interest Rate Reduction Loan,

• VA Streamlines don't require proof of income or assets. Lost your job? No savings? Doesn't matter, you are still entitled to a refinance.
• VA Streamlines don't care if you have new credit problems...collections, judgments, liens, missed mortgage payments....NO PROBLEM!
• VA Streamlines don't require an appraisal. Owe more on your loan than the house is worth? No problem, you can still refinance.
• VA Streamlines don't require money to close escrow! You can even receive up to $500 cash back at closing!
• VA loans never carry a pre-payment penalty; so you're free to refinance at any time during the entire loan term without any extra cost.

• VA Streamlines allow you to skip your next month's mortgage payment!
• Closing costs are far less than when you purchased- some fees are waived or discounted. All closing costs can be financed.
• Your old escrow reserve account (taxes and insurance impounds) will be closed and a cash refund will be sent to you after closing!
• Your Streamline can close in as little as 10 days from your application.
• Documentation is a snap! Only the following is required to underwrite your loan: 1. Driver's license/SS card 2. HUD-1 Closing statement 3. Deed of Trust 4. Mortgage statement 5. Mortgage Note 6. Insurance information 6. DD214.
• Don't have your Certificate of Eligibility? No problem. Submit the above documents and we'll pull your COE electronically from VA.

Why use a VA Streamline Refinance?

The two main reasons to use a streamline is 1) to reduce your interest rate or 2) to change loan programs, such as from a 30 year term to 15(or vise versa), or from an adjustable rate to fixed.  If you are interested in a cash out VA refinance, we do that as well, but it requires full qualifying, and a full appraisal.

We've been proudly serving Veterans since 1989. Not everyone you will deal with has the expertise, ethics or near 2 decades of experience we can provide you. Fill out the form below for an estimate.

This extended contact form will allow your loan officer to better serve your needs! 

Loan Amount Home Value     Loan Program Requested     30 Year Fixed 15 Year Fixed 40 Year Fixed 25 Year Fixed 20 Year Fixed 10 Year Fixed 10 Year ARM 7 Year ARM 5 Year ARM 3 Year ARM 2 Year ARM 30 Year Fixed Interest Only 10 Year ARM Interest Only 7 Year ARM Interest Only 5 Year ARM Interest Only 3 Year ARM Interest Only Unsure-Need Advice First Name Last Name     Property Type     Single Family-Detached Townhouse Condo Duplex Triplex Quadplex 5+ Units Commercial Manufactured Home - Currently Unavailable Lot-Land Loan - Currently Unavailable Email     Zip code     Occupancy Type Work Phone Home Phone     Primary Residence Second Home Investment Property     Your Credit Rating First time homebuyer?     Credit Rating Over the Top - Over 740 Very Good - 720 to 739 Good - 700 to 719 Reasonable - 680 to 699 Fair - 660 to 679 Needs Some Work - 620 - 659 Needs Much Work - Below 620   Monthly Salary(household) $