VA Interest Rate Reduction Refinance Loan (IRRRL)

Start Saving Money In As Little As 3 Weeks! Streamlined VA Loan refinance program for active and non-active service members, veterans, and eligible surviving spouses with VA loans.

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  • Reduce Your Monthly payment
  • Reduce Your Interest Rate
  • Defer 2 Mortgage payments
  • Increase Your Cash Flow
  • Have a VA-backed home loan
  • Current on your mortgage payments
  • Currently or have lived in the home
  • Have had the loan 7+ Months
  • EZ 3 Minute Application
  • See If It Makes Sense
  • Verify Eligibility
  • No Out of Pocket Expenses
  • Close in as little as 3 Weeks

1,000+ 5-Stars

Helped over 15,000 homebuyers

$3.6+ Billion

Over $3.6 Billion in funded loan volume

25+ Years

Celebrating 25+ years in business

23 States

Operating in 23 states and growing
We're more than just a lender. We are your partners in achieving your homeownership and investment goals. We have helped over 15,000 veterans, homebuyers, homeowners, and investors Dream Big and Borrow Smart.

What is the VA IRRRL Program?

The VA IRRRL program is a mortgage option specifically designed to help active and non-active duty service members, veterans, and eligible surviving spouses achieve current market interest rates through the format of a streamlined process. Backed by the U.S. Department of Veterans Affairs (VA), these loans are issued by private lenders such as banks and mortgage companies to help veterans achieve savings with favorable terms and conditions.

The goal behind this program is threefold. The government benefits as a reduction in interest rates decreases the likelihood of mortgage default or delinquency. Our veterans secure reduction in both interest rate and monthly payment, translating to savings in your pocket (cashflow). With delegated LAPP authority through the VA, companies like Cazle facilitate these transactions and generate a small premium through loan originations.

We look forward to serving you, just as you have us!

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VA IRRRL Benefits

Reduce your interest rate

Reduce your monthly payment

Increase Your Cashflow

Defer 2 mortgage payments

No minimum credit score required

No income qualification required

No appraisal

No 'out-of-pocket' expenses

Eligibility

You may be eligible for an IRRRL if you meet all of these requirements.

You already have a VA-backed home loan

Must be current on your mortgage payments

Past the 210 day waiting period

You currently live in or used to live in the home

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VA IRRRL Loan Documents Checklist

While there is less paperwork to a VA IRRL than other types of loans, there is still documentation we need to prepare. However, this can vary so make sure you speak with us to understand what they need from you specifically.

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Drivers License
Mortgage Note
Homeowners Insurance Note
Recent Mortgage Statement
Recent Utility Bill
Social Security Card or Military Discharge Papers (DD-214)

About Cazle

Empowering Homeownership, Built on Trust Since 1999

In 1999, we opened our doors as Residential Mortgage Solutions. Today, RMS has evolved into what is now the master brand of Cazle Holdings - a full service, home financing related brand. Cazle Mortgage is a retail correspondent lender, which provides numerous benefits compared to our peers. Cost, speed to close, operational control, and service are benefits, thereby allowing us to control the entire loan process from application through funding. Cazle Mortgage is licensed in 21 states around the country and continues to add to this footprint each year as prospective lending markets are identified.

Cazle has weathered market fluctuations and is now entering an exciting phase of expansion, investing in future growth. We've maintained a close-knit, familial atmosphere while offering a proven process and robust resources to support our team and clients alike. We’re more than just a lender; we're your partner in achieving your homeownership and investment goals. Above all, we love to serve those who have served us, and are especially grateful for our veterans. Welcome home to Cazle.

A Reputation That
Speaks For Itself

What people Have to say about Working With Our Company

Read our reviews

"I had a fantastic experience with Cazle Mortgage! Their knowledgeable team provided exceptional service, guiding me through the process with ease. "

Natalia Jacobo on Google

"I had a very difficult mortgage situation where I attempted to refinance through 10 different banks, and Cazle Mortgage was the only one who was able to resolve my issue. "

Dawn Cooper on Google

"I had a fantastic experience with Cazle Mortgage! Their knowledgeable team provided exceptional service, guiding me through the process with ease. "

Natalia Jacobo on Google

Frequently Asked Questions

Have questions? We got answers or give us a call for more information.

Eligible individuals include veterans, active-duty service members, retired or non-active duty service members, National Guard members, reservists, and qualifying surviving spouses.
Yes, a COE is necessary to confirm your eligibility for a VA loan. It verifies your service history and status with the VA.
VA loans offer several advantages, including:
  • ZERO down payment requirement in most cases.
  • Competitive interest rates, typically lower than conventional loans.
  • No private mortgage insurance (PMI) requirement, which can reduce monthly payments.
Yes, you can use your VA loan benefit multiple times throughout your life, depending on your eligibility and remaining entitlement.
No, VA loans are intended for primary residences that the borrower will occupy. They cannot be used for second homes or investment properties.
VA loans can be used to purchase various types of primary residences, including single-family homes, condos, townhomes, and multi-unit properties (up to four units).
Yes, VA loans offer options for purchasing homes in need of renovation. The VA offers a renovation loan, called the VA Renovation Loan, which allows borrowers to finance both the purchase price and the cost of improvements.
Yes, VA loans typically involve a VA funding fee, which can vary based on factors such as your military category, down payment amount (if any), and whether it's your first or subsequent VA loan.
Yes, VA loans offer streamlined refinancing options for both rate reduction (Interest Rate Reduction Refinance Loan or IRRRL) and cash-out refinancing.
When you sell your home, the VA loan can be paid off with the proceeds from the sale. You can then apply for a new VA loan for your next home purchase if you meet the eligibility criteria.
If the borrower of a VA loan passes away, the loan does not automatically transfer to a surviving spouse or heir. However, if the surviving spouse is eligible for VA home loan benefits, they may be able to assume the existing VA loan or apply for a new VA loan, provided they meet the VA's eligibility requirements. If not, the loan may need to be refinanced or paid off through other means, such as selling the home. It's advisable for surviving spouses or heirs to contact the VA or a mortgage specialist to explore their options promptly.
When planning your estate, it's essential to consider how your VA loan and home assets will be handled. While VA loans don't automatically transfer to heirs upon your passing, surviving spouses who meet VA eligibility criteria may assume the loan or obtain a new VA loan. For other heirs, options include refinancing the loan or selling the home to satisfy the debt. It's advisable to discuss your specific situation with a financial advisor or estate planner to ensure your wishes are met and your loved ones understand the implications of your VA loan on your estate.
Simplify Your VA Mortgage with a VA IRRRL

Lower payments or lock in stability by refinancing your VA-backed home loan.

Call Us (888) 208-4706