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VA IRRRL Refinance | Lower Your Rate Fast in Maryland

VA IRRRL | Refinance Your VA Loan in Maryland

Already have a VA loan? You may be eligible for a VA IRRRL — the Interest Rate Reduction Refinance Loan — to lower your monthly payment with minimal paperwork.

Often referred to as a “VA Streamline,” this program allows you to refinance your existing VA loan to a lower interest rate without needing an appraisal, income verification, or out-of-pocket costs in many cases.

What Makes the VA IRRRL Unique?

No appraisal required
No income verification
No out-of-pocket costs (closing costs can be rolled into the loan)
No credit score minimum required by VA (most lenders require 620+)
Fast closings — often in less than 30 days
Available only to existing VA borrowers refinancing a primary residence or investment home

Who Is Eligible?

You may qualify for the VA IRRRL if:

You currently have a VA-backed mortgage
You are current on your mortgage payments (no 30-day lates in the last 6 months)
The refinance results in a net tangible benefit (such as a lower interest rate or lower monthly payment)

You do not need to live in the home anymore — VA IRRRLs are available for primary residences or homes previously occupied as your primary residence.

Can I Use IRRRL to Take Cash Out?

No — the IRRRL is strictly for rate and term refinancing. If you need to access home equity, consider the [VA Cash-Out Refinance]

It might be easier to get pre-approved for a mortgage than you ever imagined. We believe in making it as easy as possible for everyone to purchase their own home. Click here now to get started, it only takes a few minutes online.

Related VA Loan Options

Start your VA IRRRL refinance below:

We’ll confirm your eligibility, calculate potential savings, and guide you through the IRRRL process from start to finish — with no appraisal or income docs required.

Start your application or request a free consultation below.