VA Loan Refinance Options
Veterans have two specialized refinance programs: the IRRRL (Interest Rate Reduction Refinance Loan) for streamlined rate-drops, and the VA Cash-Out Refinance for tapping equity.
What is VA Loan Refinance Options?
Veterans earned the most generous mortgage benefits in America — including two refinance programs purpose-built for service members.
The IRRRL (often pronounced "Earl") is a streamline refinance for existing VA loans. No appraisal, no income docs, no credit minimum on most files. If your rate is dropping by at least 0.5%, the IRRRL is the cleanest refi in mortgage finance.
The VA Cash-Out Refinance lets veterans pull up to 90% of their home value in cash — far higher than any conventional cash-out. It also lets you refinance a non-VA loan into a VA loan, taking cash out in the process.
Who qualifies?
This program is built for borrowers who match the criteria below. If you're not sure, send us a quick message and we'll confirm in minutes.
Talk To An Officer- Veterans with an existing VA loan (for IRRRL)
- Veterans with a non-VA mortgage who want to switch (cash-out)
- Veterans needing to tap equity
- Veterans whose rate is above current market
Key benefits
IRRRL Has Minimal Docs
No appraisal, no income verification, no minimum credit score on most files.
VA Cash-Out Up To 90% LTV
Best LTV in the industry — pull up to 90% of home value.
No PMI
Neither program adds mortgage insurance.
Roll In Closing Costs
Both programs allow closing costs financed into the loan.
How it works
Choose Program
IRRRL for rate drop; cash-out for equity.
Confirm Eligibility
We pull your COE and check entitlement.
Apply
IRRRL is streamlined; cash-out is full application.
Close
IRRRL closings in 15–25 days; cash-out 30–45 days.
Frequently Asked
Get a personalized VA Loan Refinance Options quote.
Tell us a little about your scenario. We'll come back to you with real numbers — within one business hour.
No commitment. No fees. No surprises.