Approved By:

 

VA Interest Rate Reduction Loan Program

The VA Interest Rate Reduction Program was developed back in 1980 to allow current VA mortgage holders the ability to lower their existing interest rate without the need for requalification or typical refinance expenses. 

The Interest Rate Reduction Program could be right for you if you are trying to lower your monthly payments, obtain a lower rate or acquire a fixed rate mortgage.

Under this program there will be:
  • NO Appraisal
  • NO Credit Check
  • NO Income Verification
  • NO Credit Underwriting
  • NO Qualifying Debt Ratios

 

 

 

 

CLICK HERE TO RECEIVE YOUR RATE OFFER IMMEDIATELY

 

 

We make it easy!

The process involves a few simple steps:

 

  1. We will speak with you regarding your current loan to see if the rate reduction would benefit you. By comparing your current interest rate, payment and terms we will be able to determine the amount of monthly savings. If the savings is not sufficient enough the Veterans Affairs will not allow you to immediately participate in the IRRL program . In the event the savings is not enough we would enroll you in the Rate Watch program and keep you informed on when you would be able to participate based on a new lower rate and minimum monthly savings requirement.

  1. We will put together a brief but detailed checklist of items needed to complete the process including your authorization to proceed with the rate reduction program.

    1. We will verify your eligibility and work on putting together the new terms of the loan.

      1. We arrange loan documents to be sent to your home or arrange for a document signing at a local title office.

        1. Since you will have a new loan with new terms (including a lower rate and payment), you will not need to make your next month’s mortgage payment. The interest /  payment is wrapped into the new loan.

          Help  &  Advice

               Call   1-877-224-2260 toll  free

          -or-

          Fill out the contact form below and one of our agents will get back to you within 24 hours.

           

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