Arizona VA IRRRL Streamline
The VA IRRRL is designed to be the simplest, fastest, and most affordable refinance option available. Lower your rate and monthly payment with minimal hassle.
The Easiest Refinance You'll Ever Do
No Appraisal Required
In most cases, you won't need a new home appraisal. The VA uses the original value of your home.
Less Paperwork
No income verification, no employment verification. It is a true 'streamline' process designed for speed.
Minimal Costs
Closing costs can be rolled into the loan, meaning little to no out-of-pocket expense to get started.
Faster Closing
Because there's less documentation and no appraisal, IRRRLs often close in 30 days or less.
Lower Interest Rate
The primary goal is to lower your interest rate and monthly payment, putting more money back in your pocket.
Defer Payments
You may be able to skip up to two mortgage payments during the refinance process, giving you extra cash flow.
Simple Eligibility Rules
Existing VA Loan
You must currently have a VA Home Loan to be eligible for an IRRRL.
Occupancy Certification
You only need to certify that you previously occupied the home. You do not need to currently live there.
On-Time Payments
You must have made your last 6 mortgage payments on time, with no more than one 30-day late payment in the last 12 months.
Net Tangible Benefit
The refinance must result in a real financial benefit, such as a lower interest rate or moving from an ARM to a fixed rate.
Seasoning Period
You must wait at least 210 days from the date of your first payment on your current loan.
Not Sure If You Qualify?
We can check your VA entitlement status in minutes.
Call (602) 753-9600Full VA IRRRL guideFrequently Asked Questions
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