VA Loan Product

IRRRL Streamline Refinance

A VA-to-VA streamline refinance with reduced documentation. Appraisal, credit, and income requirements are set by the lender and VA program rules.

The Interest Rate Reduction Refinance Loan (IRRRL) exists for one reason: to make lowering your rate as painless as possible for veterans who already have a VA loan.

Stack the EEM on your IRRRL

Lower your rate and your utility bill at the same time.

A VA IRRRL can include the Energy Efficient Mortgage add-on. Finance solar, insulation, or a heat pump into the new loan and let utility savings offset part of the payment.

Read the EEM guide → or calculate the break-even →

What you get

Minimal documentation
No appraisal required in most cases
Roll closing costs into the loan
Move to a fixed rate from an ARM

How it works

1
Prequalify in 15 minutes.
No commitment. Real numbers. Submitting this inquiry does not authorize a credit pull.
2
Get your COE.
We pull it for you in most cases through the VA's system.
3
Close with a dedicated loan officer.
Timelines vary by file, property, and underwriting — your loan officer will give you a schedule specific to your transaction.