Refinance
VA refinance options
Compare every VA refinance option: IRRRL streamline, cash-out, lower payment, shorter term, removing a borrower, and rate reduction strategies.
The VA offers two refinance programs — the IRRRL Streamline and the VA Cash-Out — plus a set of common goals (lower payment, shorter term, remove a borrower). Pick the strategy that fits your situation.
Refinance
VA Cash-Out Refinance
How the VA Cash-Out Refinance works: tap up to 100% of your home's value, consolidate debt, or fund renovations.
Read the guide →Refinance
The IRRRL Streamline Refinance
IRRRL summary: rate-and-term refinance for existing VA loans with no appraisal or income docs.
Read the guide →Refinance
Refinance to lower your payment
How to use a VA refinance to lower your monthly mortgage payment — via a lower rate, longer term, or both.
Read the guide →Refinance
Refinance to a shorter term
Refinancing from a 30-year to a 15-year VA loan: pros, cons, and how much interest you can save.
Read the guide →Refinance
Remove a borrower from a VA loan
How to refinance to remove a co-borrower (typically after a divorce) — IRRRL vs. Cash-Out options.
Read the guide →Refinance
When a rate-reduction refinance makes sense
How to know when a rate-reduction refinance saves money — the break-even test and IRRRL vs. conventional refi.
Read the guide →Refinance
The refinance break-even guide
How to calculate your refinance break-even point and decide whether refinancing your VA loan is worth it.
Read the guide →Refinance
Common VA refinance mistakes
The most common VA refinance mistakes and how to avoid them.
Read the guide →Ready to move forward?
Get your personalized VA quote in 60 seconds.
No SSN. No credit pull. No obligation.