IRRRL Eligibility Check
The Interest Rate Reduction Refinance Loan is the fastest, easiest way to lower your VA loan rate. Let's see if you qualify.
You Need a VA Purchase Loan First
The IRRRL (VA Streamline Refinance) is only available to veterans who already have an existing VA loan. It can't be used to refinance a conventional loan or to purchase a home. Check your VA purchase eligibility instead →
This helps gauge whether refinancing would provide meaningful savings right now.
What Makes the IRRRL Special
- ✓ No appraisal required — saves time and money
- ✓ Minimal paperwork — streamlined process from start to close
- ✓ Lower VA funding fee — only 0.5% (vs. up to 3.3% for purchase)
- ✓ Can roll costs into the loan — potentially $0 out of pocket
Want Eirik to Run the Numbers?
Enter your info below and Eirik will review your current loan details and show you exactly how much you could save.
Request Received!
Eirik will reach out within 24 hours to review your rate reduction options.