Lower your VA or FHA rate with less paperwork
If you already have a VA or FHA loan, a streamline refinance can drop your rate with reduced documentation and often no appraisal.
- Often no appraisal required
- Reduced income documentation
- Closing costs can be rolled in
Real numbers. Straight answers. No pressure.
Tell us a little about your goals. Nelson will reach out the same business day with options from dozens of wholesale lenders.
See if you qualify: free, no commitment.
No pressure. Nelson will give you a straight answer about whether this works for your situation.
Who qualifies
VA IRRRL (Interest Rate Reduction Refinance Loan) is for borrowers with an existing VA loan. FHA Streamline is for borrowers with an existing FHA loan. Both require a net tangible benefit, usually a lower payment or a move from adjustable to fixed.
You'll need a solid recent payment history and enough time since your last closing. We'll check eligibility on a quick call.
This is a good fit if you…
- Have an existing VA or FHA loan
- Have made on-time payments
- Have a rate above today's market
- Want minimal paperwork
Streamline benefits
Fast
Less documentation means faster closings.
No appraisal (often)
Helpful if values have shifted.
Lower costs
Fewer third-party fees.
Buyers keep coming back
Nelson and Danna did an outstanding job processing everything for my VA loan. They were very quick and responsive, and everything went much quicker than I expected. I was very happy with the rate and fees they were able to get for me.
This is the 2nd time we have worked with them to buy a house… They helped us to ensure that we configured our mortgage the best way possible for our needs. They were in constant contact with us to make adjustments to get us the best deal possible.
I could not have been happier with my experience! Nelson and Danna went way above and beyond… you will get an incredible attention to detail, but most of all you will feel like you're talking to your friends.
Questions we hear often
How soon can I streamline?
Generally after about six months of payments and 210 days from your last closing.
Do I need an appraisal?
Usually not, though some lenders may require one.
Can I take cash out?
No. Streamlines are for rate and payment reductions. See cash-out refinance.
Ready to see what you qualify for?
Talk with Nelson for 15 minutes. You'll leave with real numbers and a clear plan.