Lower your monthly payment with a VA Streamline (IRRRL). Use the calculator below and start your application when you’re ready.
Today’s IRRRL Rate
Live rates unavailable. Check back soon.
Representative rate example
1Representative pricing example based on the published VA streamline 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 14, 2026
What is a VA Streamline Refinance?
Also called IRRRL, it allows eligible VA borrowers to lower their rate with minimal documentation and often no appraisal.
How fast is IRRRL?
It’s typically faster than traditional refinances because documentation requirements are streamlined.
Is there a funding fee?
Yes, there is typically a reduced VA funding fee for IRRRL, which can be rolled into the loan.