VA IRRRL (Streamline Refinance)

The fastest refinance for veterans. VA Interest Rate Reduction Refinance Loan — no appraisal, minimal docs, lower your rate.

Key Features

• No appraisal required
• No income verification
• No credit underwriting (some lenders require 580+)
• 0.5% VA funding fee (lowest of any VA loan)
• Must have an existing VA loan
• Must result in a lower rate (or ARM-to-fixed conversion)
• Can be completed in 2-3 weeks

Who Is This For?

• Veterans with existing VA loans who want a lower rate
• VA borrowers converting from ARM to fixed rate

Florida-Specific Considerations

• Florida veterans locked in at higher rates benefit immediately
• No appraisal means no flood zone concerns
• Disability-exempt veterans pay $0 funding fee
• Florida has 1.5 million+ veterans — large eligible population