VA refinance

Two paths: the streamlined IRRRL to lower your rate with minimal paperwork, or a VA cash-out to access equity.

Get a quote

Photo: Thomson200 · CC0 · Wikimedia Commons

Who it's for

Veterans and service members with an existing VA loan (IRRRL) or a VA-eligible home (cash-out).

How it works

An IRRRL (interest rate reduction refinance loan) typically needs no appraisal and limited income documentation.
A VA cash-out replaces any loan with a VA loan and lets you take equity.

What you'll need

Existing VA loan (for IRRRL)
Certificate of Eligibility
Standard documents for cash-out

Common questions

Is there a funding fee on an IRRRL?

Yes, a reduced one, unless you're exempt.

By design this page shows no rates, APRs, payments, or down-payment percentages. Those figures are only published with the full disclosure block required by Regulation Z.

Structured data on this page (JSON-LD, for review)

{
 "@context": "https://schema.org",
 "@type": "FAQPage",
 "mainEntity": [
  {
   "@type": "Question",
   "name": "Is there a funding fee on an IRRRL?",
   "acceptedAnswer": {
    "@type": "Answer",
    "text": "Yes, a reduced one, unless you're exempt."
   }
  }
 ]
}