{"id":6202,"date":"2025-10-22T19:13:01","date_gmt":"2025-10-22T19:13:01","guid":{"rendered":"https:\/\/cityviewmortgage.com\/?page_id=6202"},"modified":"2025-10-22T19:31:22","modified_gmt":"2025-10-22T19:31:22","slug":"va-irrrl-refi","status":"publish","type":"page","link":"https:\/\/cityviewmortgage.com\/?page_id=6202","title":{"rendered":"VA IRRRL REFI"},"content":{"rendered":"<div data-colibri-id=\"6202-c1\" class=\"style-1856 style-local-6202-c1 position-relative\">\n  <!---->\n  <div data-colibri-component=\"section\" data-colibri-id=\"6202-c2\" id=\"about\" class=\"h-section h-section-global-spacing d-flex align-items-lg-center align-items-md-center align-items-center style-1857 style-local-6202-c2 position-relative\">\n    <!---->\n    <!---->\n    <div class=\"h-section-grid-container h-section-boxed-container\">\n      <!---->\n      <div data-colibri-id=\"6202-c3\" class=\"h-row-container gutters-row-lg-0 gutters-row-md-0 gutters-row-0 gutters-row-v-lg-0 gutters-row-v-md-0 gutters-row-v-0 style-1858 style-local-6202-c3 position-relative\">\n        <!---->\n        <div class=\"h-row justify-content-lg-center justify-content-md-center justify-content-center align-items-lg-stretch align-items-md-stretch align-items-stretch gutters-col-lg-0 gutters-col-md-0 gutters-col-0 gutters-col-v-lg-0 gutters-col-v-md-0 gutters-col-v-0\">\n          <!---->\n          <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto style-1859-outer style-local-6202-c4-outer\">\n            <div data-colibri-id=\"6202-c4\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-0 h-px-md-0 h-px-0 v-inner-lg-0 v-inner-md-0 v-inner-0 style-1859 style-local-6202-c4 position-relative\">\n              <!---->\n              <!---->\n              <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n                <!---->\n                <div data-colibri-id=\"6202-c5\" class=\"h-global-transition-all h-heading style-1860 style-local-6202-c5 position-relative h-element\">\n                  <!---->\n                  <div class=\"h-heading__outer style-1860 style-local-6202-c5\">\n                    <!---->\n                    <!---->\n                    <h5 class=\"\">VA IRRRL REFI PROGRAM<\/h5>\n                  <\/div>\n                <\/div>\n                <div data-colibri-id=\"6202-c6\" class=\"h-global-transition-all h-heading style-1861 style-local-6202-c6 position-relative h-element\">\n                  <!---->\n                  <div class=\"h-heading__outer style-1861 style-local-6202-c6\">\n                    <!---->\n                    <!---->\n                    <h2 class=\"\">The Easiest Way to Lower Your Mortgage Payment<\/h2>\n                  <\/div>\n                <\/div>\n                <div data-colibri-id=\"6202-c7\" class=\"h-text h-text-component style-1862 style-local-6202-c7 position-relative h-element\">\n                  <!---->\n                  <!---->\n                  <div class=\"\">\n                    <p>If you\u2019re a veteran or active-duty homeowner with a VA loan, there\u2019s a powerful refinance option designed <em>just for you<\/em> \u2014 the <strong>VA IRRRL<\/strong>, also known as the <strong>VA Streamline Refinance<\/strong>.<\/p>\n                    <p>This program helps you <strong>lower your interest rate<\/strong>, <strong>reduce your monthly payment<\/strong>, and even <strong>skip a mortgage payment<\/strong> \u2014 often with <strong>no appraisal, no income verification, and no out-of-pocket costs.<\/strong><\/p>\n                  <\/div>\n                <\/div>\n              <\/div>\n            <\/div>\n          <\/div>\n          <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto style-1863-outer style-local-6202-c8-outer\">\n            <div data-colibri-id=\"6202-c8\" class=\"d-flex h-flex-basis h-column__inner h-ui-empty-state-container h-px-lg-2 h-px-md-2 h-px-2 v-inner-lg-2 v-inner-md-2 v-inner-2 style-1863 style-local-6202-c8 position-relative\">\n              <!---->\n              <!---->\n              <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100\">\n                <!---->\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n  <div data-colibri-component=\"section\" data-colibri-id=\"6202-c9\" id=\"cta\" class=\"h-section h-section-global-spacing d-flex align-items-lg-center align-items-md-center align-items-center style-1864 style-local-6202-c9 position-relative\">\n    <!---->\n    <!---->\n    <div class=\"h-section-grid-container h-section-boxed-container\">\n      <!---->\n      <div data-colibri-id=\"6202-c10\" class=\"h-row-container gutters-row-lg-2 gutters-row-md-2 gutters-row-0 gutters-row-v-lg-2 gutters-row-v-md-2 gutters-row-v-2 style-1865 style-local-6202-c10 position-relative\">\n        <!---->\n        <div class=\"h-row justify-content-lg-center justify-content-md-center justify-content-center align-items-lg-stretch align-items-md-stretch align-items-stretch gutters-col-lg-2 gutters-col-md-2 gutters-col-0 gutters-col-v-lg-2 gutters-col-v-md-2 gutters-col-v-2\">\n          <!---->\n          <div class=\"h-column h-column-container d-flex h-col-lg h-col-md h-col-auto style-1866-outer style-local-6202-c11-outer\">\n            <div data-colibri-id=\"6202-c11\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-0 h-px-md-0 h-px-2 v-inner-lg-0 v-inner-md-0 v-inner-2 style-1866 style-local-6202-c11 position-relative\">\n              <!---->\n              <!---->\n              <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-center align-self-md-center align-self-center\">\n                <!---->\n                <div data-colibri-id=\"6202-c12\" class=\"h-global-transition-all h-heading style-1867 style-local-6202-c12 position-relative h-element\">\n                  <!---->\n                  <div class=\"h-heading__outer style-1867 style-local-6202-c12\">\n                    <!---->\n                    <!---->\n                    <a href=\"https:\/\/cityviewmortgage.com\/?page_id=6173\" h-use-smooth-scroll=\"true\">\n                      <h2 class=\"\">Start Today! <span style=\"font-weight: 400;\">It will only take a minute<\/span><\/h2>\n                    <\/a>\n                  <\/div>\n                <\/div>\n              <\/div>\n            <\/div>\n          <\/div>\n          <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto style-1868-outer style-local-6202-c13-outer\">\n            <div data-colibri-id=\"6202-c13\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-0 h-px-md-0 h-px-2 v-inner-lg-0 v-inner-md-0 v-inner-2 style-1868 style-local-6202-c13 position-relative\">\n              <!---->\n              <!---->\n              <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-auto align-self-lg-center align-self-md-center align-self-center\">\n                <!---->\n                <div data-colibri-id=\"6202-c14\" class=\"h-x-container style-1869 style-local-6202-c14 position-relative h-element\">\n                  <!---->\n                  <div class=\"h-x-container-inner style-dynamic-6202-c14-group style-1869-spacing style-local-6202-c14-spacing\"><span class=\"h-button__outer style-1870-outer style-local-6202-c15-outer d-inline-flex h-element\"><a h-use-smooth-scroll=\"true\" href=\"\"  data-colibri-id=\"6202-c15\" class=\"d-flex w-100 align-items-center h-button justify-content-lg-center justify-content-md-center justify-content-center style-1870 style-local-6202-c15 position-relative\"><!----><!----> <span>get started today<\/span><\/a>\n                    <\/span>\n                  <\/div>\n                <\/div>\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n  <div data-colibri-component=\"section\" data-colibri-id=\"6202-c16\" id=\"content\" class=\"h-section h-section-global-spacing d-flex align-items-lg-center align-items-md-center align-items-center style-1871 style-local-6202-c16 position-relative\">\n    <!---->\n    <!---->\n    <div class=\"h-section-grid-container h-section-boxed-container\">\n      <!---->\n      <div data-colibri-id=\"6202-c17\" class=\"h-row-container gutters-row-lg-2 gutters-row-md-2 gutters-row-2 gutters-row-v-lg-2 gutters-row-v-md-2 gutters-row-v-2 style-1872 style-local-6202-c17 position-relative\">\n        <!---->\n        <div class=\"h-row justify-content-lg-center justify-content-md-center justify-content-center align-items-lg-center align-items-md-center align-items-center gutters-col-lg-2 gutters-col-md-2 gutters-col-2 gutters-col-v-lg-2 gutters-col-v-md-2 gutters-col-v-2\">\n          <!---->\n          <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto align-self-lg-center align-self-md-center align-self-center style-1873-outer style-local-6202-c18-outer\">\n            <div data-colibri-id=\"6202-c18\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-2 h-px-md-2 h-px-0 v-inner-lg-0 v-inner-md-2 v-inner-0 style-1873 style-local-6202-c18 position-relative\">\n              <!---->\n              <!---->\n              <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-center align-self-md-center align-self-center\">\n                <!---->\n                <div data-colibri-id=\"6202-c19\" class=\"h-global-transition-all h-heading style-1874 style-local-6202-c19 position-relative h-element\">\n                  <!---->\n                  <div class=\"h-heading__outer style-1874 style-local-6202-c19\">\n                    <!---->\n                    <!---->\n                    <h3 class=\"\">What Is the VA IRRRL?<\/h3>\n                  <\/div>\n                <\/div>\n                <div data-colibri-id=\"6202-c20\" class=\"h-lead h-text h-text-component style-1875 style-local-6202-c20 position-relative h-element\">\n                  <!---->\n                  <!---->\n                  <div class=\"\">\n                    <p>The <strong>VA IRRRL<\/strong> (Interest Rate Reduction Refinance Loan) is a <strong>streamlined refinance option<\/strong> backed by the U.S. Department of Veterans Affairs.<\/p>\n                    <p>It\u2019s specifically designed for veterans, service members, and surviving spouses who <strong>already have a VA home loan<\/strong> and want to <strong>refinance to a lower rate<\/strong> or <strong>better terms<\/strong> with minimal paperwork.<\/p>\n                    <ul>\n                      <li>\n                        <img decoding=\"async\" draggable=\"false\" role=\"img\" class=\"emoji lazyload\" alt=\"\u2705\" data-src=\"https:\/\/s.w.org\/images\/core\/emoji\/16.0.1\/svg\/2705.svg\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\"> <strong>No income or employment verification required<\/strong><\/li>\n                      <li>\n                        <img decoding=\"async\" draggable=\"false\" role=\"img\" class=\"emoji lazyload\" alt=\"\u2705\" data-src=\"https:\/\/s.w.org\/images\/core\/emoji\/16.0.1\/svg\/2705.svg\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\"> <strong>No home appraisal needed<\/strong><\/li>\n                      <li>\n                        <img decoding=\"async\" draggable=\"false\" role=\"img\" class=\"emoji lazyload\" alt=\"\u2705\" data-src=\"https:\/\/s.w.org\/images\/core\/emoji\/16.0.1\/svg\/2705.svg\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\"> <strong>No out-of-pocket costs (fees can be rolled into the loan)<\/strong><\/li>\n                      <li>\n                        <img decoding=\"async\" draggable=\"false\" role=\"img\" class=\"emoji lazyload\" alt=\"\u2705\" data-src=\"https:\/\/s.w.org\/images\/core\/emoji\/16.0.1\/svg\/2705.svg\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\"> <strong>Fast and simple closing process<\/strong><\/li>\n                    <\/ul>\n                    <p>\n                      <br>\n                    <\/p>\n                  <\/div>\n                <\/div>\n              <\/div>\n            <\/div>\n          <\/div>\n          <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto align-self-lg-center align-self-md-center align-self-center style-1876-outer style-local-6202-c21-outer\">\n            <div data-colibri-id=\"6202-c21\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-0 h-px-md-0 h-px-0 v-inner-lg-0 v-inner-md-0 v-inner-0 style-1876 style-local-6202-c21 position-relative\">\n              <!---->\n              <!---->\n              <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n                <!---->\n                <div data-colibri-id=\"6202-c22\" class=\"h-row-container gutters-row-lg-2 gutters-row-md-2 gutters-row-2 gutters-row-v-lg-2 gutters-row-v-md-2 gutters-row-v-2 style-1877 style-local-6202-c22 position-relative\">\n                  <!---->\n                  <div class=\"h-row justify-content-lg-center justify-content-md-center justify-content-center align-items-lg-stretch align-items-md-stretch align-items-stretch gutters-col-lg-2 gutters-col-md-2 gutters-col-2 gutters-col-v-lg-2 gutters-col-v-md-2 gutters-col-v-2\">\n                    <!---->\n                    <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto style-1878-outer style-local-6202-c23-outer\">\n                      <div data-colibri-id=\"6202-c23\" class=\"d-flex h-flex-basis h-column__inner h-ui-empty-state-container h-px-lg-0 h-px-md-0 h-px-0 v-inner-lg-0 v-inner-md-0 v-inner-0 style-1878 style-local-6202-c23 position-relative\">\n                        <!---->\n                        <!---->\n                        <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100\">\n                          <!---->\n                        <\/div>\n                      <\/div>\n                    <\/div>\n                    <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto style-1879-outer style-local-6202-c24-outer\">\n                      <div data-colibri-id=\"6202-c24\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-0 h-px-md-0 h-px-0 v-inner-lg-0 v-inner-md-0 v-inner-0 style-1879 style-local-6202-c24 position-relative\">\n                        <!---->\n                        <!---->\n                        <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n                          <!---->\n                          <div data-colibri-id=\"6202-c25\" class=\"h-global-transition-all h-heading style-1880 style-local-6202-c25 position-relative h-element\">\n                            <!---->\n                            <div class=\"h-heading__outer style-1880 style-local-6202-c25\">\n                              <!---->\n                              <!---->\n                              <h5 class=\"\">Why haven\u2019t I heard about this before?<\/h5>\n                            <\/div>\n                          <\/div>\n                          <div data-colibri-id=\"6202-c26\" class=\"h-text h-text-component style-1881 style-local-6202-c26 position-relative h-element\">\n                            <!---->\n                            <!---->\n                            <div class=\"\">\n                              <p>That\u2019s a great question \u2014 and you\u2019re not alone.\n                                <br> The VA IRRRL program isn\u2019t new, but it\u2019s <strong>not widely advertised<\/strong> because it\u2019s only available to <strong>current VA homeowners<\/strong>. Many traditional lenders don\u2019t promote it, since it\u2019s a <strong>streamlined refinance program<\/strong>                                rather than a profit-driven loan product.<\/p>\n                            <\/div>\n                          <\/div>\n                        <\/div>\n                      <\/div>\n                    <\/div>\n                  <\/div>\n                <\/div>\n              <\/div>\n            <\/div>\n          <\/div>\n          <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto align-self-lg-center align-self-md-center align-self-center style-1876-outer style-local-6202-c27-outer\">\n            <div data-colibri-id=\"6202-c27\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-0 h-px-md-0 h-px-0 v-inner-lg-0 v-inner-md-0 v-inner-0 style-1876 style-local-6202-c27 position-relative\">\n              <!---->\n              <!---->\n              <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n                <!---->\n                <div data-colibri-id=\"6202-c28\" class=\"h-row-container gutters-row-lg-2 gutters-row-md-2 gutters-row-2 gutters-row-v-lg-2 gutters-row-v-md-2 gutters-row-v-2 style-1882 style-local-6202-c28 position-relative\">\n                  <!---->\n                  <div class=\"h-row justify-content-lg-center justify-content-md-center justify-content-center align-items-lg-stretch align-items-md-stretch align-items-stretch gutters-col-lg-2 gutters-col-md-2 gutters-col-2 gutters-col-v-lg-2 gutters-col-v-md-2 gutters-col-v-2\">\n                    <!---->\n                    <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto style-1883-outer style-local-6202-c29-outer\">\n                      <div data-colibri-id=\"6202-c29\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-0 h-px-md-0 h-px-0 v-inner-lg-0 v-inner-md-0 v-inner-0 style-1883 style-local-6202-c29 position-relative\">\n                        <!---->\n                        <!---->\n                        <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n                          <!---->\n                          <div data-colibri-id=\"6202-c30\" class=\"h-global-transition-all h-heading style-1880 style-local-6202-c30 position-relative h-element\">\n                            <!---->\n                            <div class=\"h-heading__outer style-1880 style-local-6202-c30\">\n                              <!---->\n                              <!---->\n                              <h5 class=\"\">Are there any downsides?<\/h5>\n                            <\/div>\n                          <\/div>\n                          <div data-colibri-id=\"6202-c31\" class=\"h-text h-text-component style-1881 style-local-6202-c31 position-relative h-element\">\n                            <!---->\n                            <!---->\n                            <div class=\"\">\n                              <p>The VA IRRRL is one of the <strong>safest and most cost-effective refinance options<\/strong> available \u2014 but here are a few things to keep in mind:<\/p>\n                              <ul>\n                                <li>You must already have an <strong>existing VA loan<\/strong>.<\/li>\n                                <li>The refinance must result in a <strong>lower interest rate or a more stable loan type<\/strong> (e.g., from adjustable to fixed).<\/li>\n                                <li>There\u2019s a small <strong>VA funding fee<\/strong> (typically 0.5%), but most borrowers <strong>roll it into the new loan<\/strong> \u2014 meaning <strong>no out-of-pocket payment<\/strong>.<\/li>\n                              <\/ul>\n                              <p>There are <strong>no prepayment penalties<\/strong>, and most closings are completed in <strong>2\u20133 weeks<\/strong>.<\/p>\n                            <\/div>\n                          <\/div>\n                          <div data-colibri-id=\"6202-c32\" class=\"style-1886 style-local-6202-c32 position-relative h-element\">\n                            <!---->\n                          <\/div>\n                          <div data-colibri-id=\"6202-c33\" class=\"h-x-container style-1884 style-local-6202-c33 position-relative h-element\">\n                            <!---->\n                            <div class=\"h-x-container-inner style-dynamic-6202-c33-group style-1884-spacing style-local-6202-c33-spacing\"><span class=\"h-button__outer style-1885-outer style-local-6202-c34-outer d-inline-flex h-element\"><a h-use-smooth-scroll=\"true\" href=\"https:\/\/cityviewmortgage.com\/?page_id=6173\"  data-colibri-id=\"6202-c34\" class=\"d-flex w-100 align-items-center h-button justify-content-lg-center justify-content-md-center justify-content-center style-1885 style-local-6202-c34 position-relative\"><!----><!----> <span>get started today<\/span><\/a>\n                              <\/span>\n                            <\/div>\n                          <\/div>\n                        <\/div>\n                      <\/div>\n                    <\/div>\n                  <\/div>\n                <\/div>\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>VA IRRRL REFI PROGRAM The Easiest Way to Lower Your Mortgage Payment If you\u2019re a veteran or active-duty homeowner with a VA loan, there\u2019s a powerful refinance option designed just for you \u2014 the VA IRRRL, also known as the VA Streamline Refinance. This program helps you lower your interest rate, reduce your monthly payment, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/full-width-page.php","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-6202","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/cityviewmortgage.com\/index.php?rest_route=\/wp\/v2\/pages\/6202","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cityviewmortgage.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/cityviewmortgage.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/cityviewmortgage.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/cityviewmortgage.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=6202"}],"version-history":[{"count":9,"href":"https:\/\/cityviewmortgage.com\/index.php?rest_route=\/wp\/v2\/pages\/6202\/revisions"}],"predecessor-version":[{"id":6265,"href":"https:\/\/cityviewmortgage.com\/index.php?rest_route=\/wp\/v2\/pages\/6202\/revisions\/6265"}],"wp:attachment":[{"href":"https:\/\/cityviewmortgage.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=6202"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}