Transparent rates and an easy savings calculator to help you decide. When you’re ready, start your application in minutes.
Today’s IRRRL Rate
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Run a quick scenario to see your monthly savings and break-even timeline.
Quick estimate: ~0.6% of balance → $1800
Explore daily market indices from Optimal Blue OBMMI™. Data reflects actual locked rates and updates daily.
Rates data via Optimal Blue OBMMI™, updated daily.
Rates data via Optimal Blue OBMMI™. Represents a large portion of U.S. mortgage lock activity and updates daily. Displayed values are for informational purposes only and do not constitute a loan offer. Actual rates depend on credit profile, LTV, loan amount, and market conditions.
Last updated: November 5, 2025
How often do VA rates change?
Rates can change frequently with market conditions. We recommend checking your personalized rate and locking when you’re comfortable.
Can I roll costs into the loan?
Yes, many closing costs can be rolled into the loan for VA refinances, reducing out-of-pocket expenses.
What’s the fastest way to start?
Estimate your savings below and then start your application to get a personalized rate quote.