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Today’s IRRRL Rate
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Representative rate example
1Representative pricing example based on the published VA refinance market snapshot shown above.
Rates, terms, and savings shown are estimates for educational purposes only and may vary based on your credit profile, property value, loan type, and market conditions.
Your actual rate, APR, payment, and closing costs depend on credit profile, loan amount, equity, occupancy, property type, lock period, and market conditions.
IRRRL1 is not affiliated with any government agency, including the Department of Veterans Affairs. IRRRL1 is an Equal Housing Lender. NMLS #2530539.
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: July 13, 2026
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.