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VA refinance

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

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Who it's for

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

How it works

  1. An IRRRL (interest rate reduction refinance loan) typically needs no appraisal and limited income documentation.
  2. 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.