Plan Smarter. Grow Stronger. Don’t miss our latest VA refinance program.

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Financial Freedom Starts Here

Lower Your Mortgage With a VA IRRRL Refinance

"Fast, Simple, No-Appraisal Options Available for Qualified Veterans & Service Members."

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Trusted by 150+ Satisfied Veterans

Tell Us About Your Current Loan

A few pieces of info helps us determine new payment options.

Review Lower-Rate Options

A licensed VA specialist will show you your potential savings.

Fast, Streamlined Closing

Minimal paperwork. No appraisal in most cases. Save money quickly.

Who qualifies for the VA IRRRL refinance program?

Your Future Deserves Trusted Guidance

You already have a VA-backed home loan

The IRRRL can only refinance a home with an existing VA loan. Refinancing a non-VA loan (e.g., conventional or FHA) requires a different VA refinance program, like the VA cash-out refinance.

You’ve certified occupancy

You must certify that you currently live in the home or previously lived in the home being refinanced. You don’t necessarily have to live there at the time of refinance.

The refinance is on the same property as your current VA loan

The new loan must replace the existing VA loan on the same home.

Net tangible benefit requirement

The refinance must provide a net tangible benefit, such as a lower interest rate or more stable payment structure (e.g., switching from an adjustable-rate mortgage to a fixed rate).

You’ve Served Our Country. We’re Here to Serve You.

VA borrowers deserve clear guidance, honest answers, and a refinance process built around their needs — not pressure or guesswork.

See if you qualify

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What Is a VA IRRRL?

A streamlined refinance program for veterans with an existing VA loan.

Available exclusively to homeowners who currently have a VA-backed mortgage.

Designed to lower your interest rate and monthly payment with minimal documentation

The VA IRRRL focuses on simplifying the refinance process while delivering real savings.

Often no appraisal, no income verification, and no out-of-pocket costs (can roll into the loan).

Designed to minimize upfront expenses while keeping the process efficient.

Skip up to two mortgage payments depending on timing.

The timing of your refinance can create a temporary pause between loan payments.

150+ Veterans Understand Our Mission

Together, we can make a real impact in communities around the world. Help us bring hope and support.

“The IRRRL refinance was straightforward and saved us money every month. No stress, no surprises.”

Christopher Mendez

Scottsdale, AZ USA

“Lower rate, lower payment, and minimal paperwork. The process was exactly what we hoped for.”

Walter Charles

Scottsdale, AZ USA

“We refinanced through IRRRL and immediately saw the benefit. Clear communication from start to finish.”

Emily Quinn

Scottsdale, AZ USA

“The VA IRRRL option made refinancing simple. It reduced our payment without resetting our goals.”

Jeremy Chin

Scottsdale, AZ USA

“Fast, efficient, and professional. The IRRRL refinance helped us lock in a better rate quickly.”

Jesse James

Scottsdale, AZ USA

“Refinancing with IRRRL was smooth and easy. We appreciated how clearly everything was explained.”

Andy Jade

Scottsdale, AZ USA

See If You Qualify — Takes Less Than 60 Seconds

Tell Us About Your Current Loan

A few pieces of info helps us determine new payment options.

Review Available Lower-Rate Options

A licensed VA specialist will show you your potential savings.

Fast, Streamlined Closing

Minimal paperwork. No appraisal in most cases. Save money quickly.

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Neighborhood Loans, 1333 Butterfield Rd. Suite 600 Downers Grove, IL 60515 1-800-207-8595 Neighborhood loans is an Illinois, Wisconsin, & California Residential Mortgage Licensee. Licensed by the Department of Business Oversight under the California Financing Law. Neighborhood Loans is an approved FHA lender. Not an agency of the federal government. All loans are subject to credit approval. Programs, rates, terms and conditions are subject to change without notice. Other restrictions apply. Licensed by the Illinois Department of Financial & Professional Regulation. Company NMLS#222982 MB. 6759826. California DFPI Lic/Reg #41DBO-118971 | Equal Housing Lender
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