VA Interest Rate Reduction & Refinance Loans

VA Home Loans

If you have an existing, VA-backed home loan, an interest-rate reduction and refinance loan (IRRRL) may be right for you. Refinancing allows you to replace your current loan with a new one under different terms and can help you reduce your monthly mortgage payments with a lower interest-rate or make your payments more stable by moving from a loan with an adjustable or variable rate to one that is fixed.

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Am I eligible for an IRRRL?

You may be eligible for an IRRRL if you:

  • Already have a VA-backed home loan, and
  • Are using the IRRRL to refinance your existing VA-backed home loan and
  • Can certify that you currently live in or used to live in the home covered by the loan.

Note: If you have a second mortgage on the home, the holder must agree to make your new VA-backed loan the first mortgage.

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