VA Loan Refinance
Are you a veteran looking to lower your payments?
Already have a VA loan? You may automatically qualify for an Interest Rate Reduction Refinance Loan (IRRRL) which could lower your monthly payments.
VA loans are guaranteed by the U.S. Department of Veterans Affairs, which allow lenders to relax credit score and down payment requirements. Eligible veterans of the armed forces can qualify for a home loan with little or no money down and below-market mortgage rates. Properties must be single-unit, owner-occupied homes to qualify.
VA Loan Rates
VA Home Loan: Rate & Term Refi
Apply Now (opens in a new tab)| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate VA Refinance | 6.625% | 6.770% | 0.375 | $500,000.00 | $3201.55 |
Interest Rates Effective: 09/17/2026
Rates listed are for primary residence in single family home with 0% equity and borrower credit score of 780. Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. Example monthly payments include principal, interest and financing of the VA Funding Fee. Actual fee amount may vary based on loan type and borrower eligibility. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
VA Home Loan: Cash-out Refi
Apply Now (opens in a new tab)| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate Cash-out VA Refinance | 6.625% | 6.915% | 0.250 | $459,675.00 | $2943.35 |
Interest Rates Effective: 09/17/2026
Rates listed are for primary residence in single family home with 10% equity and borrower credit score of 780. Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. Example monthly payments include principal, interest and financing of the VA Funding Fee. Actual fee amount may vary based on loan type and borrower eligibility. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Get a Custom Loan Quote
Please provide the following information so that we can provide multiple options tailored to your needs.
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Need more information? Connect with one of our experienced Mortgage Loan Officers (opens in a new tab) who can determine your eligibility and walk you through the application process.