VA Refinance — Lower Your Payment or Get Cash
Check personalized options in minutes. Veteran-led. Transparent. No obligation.
IRRRL (VA Streamline)
VA Cash-Out
No PMI
Fast Estimates
Refinance a current VA loan to reduce your rate/payment or change term. VA seasoning (210+ days & 6 payments), Net Tangible Benefit (NTB) and ≤36-month fee recoupment apply. VA may not require appraisal/credit; lenders may.
Replace your mortgage and access equity for debt, repairs or goals. Subject to credit, income, appraisal and VA/LTV rules. We’ll map the best path and timeline.
Quick Payment Estimate
Illustrative only. Final terms depend on underwriting and market rates.
Enter balance and rates to see an estimate.
Why Veterans Mortgage Solutions?
- Veteran-led guidance from application to closing
- Transparent pricing and clear next steps
- Fast estimates and proactive communication
- No PMI on VA loans; competitive terms and options
What You’ll Need
- Mortgage statement (photo is fine)
- Estimated home value & payoff amount
- Basic income/credit details (we’ll guide you)
See Your VA Refinance Options
Answer a few questions and we’ll text/email your tailored options. No obligation.
Having trouble? Call us and we’ll text you a secure link.
What Happens Next
- We text a quick estimate tailored to your goal
- Send a photo of your mortgage statement
- We confirm eligibility & timeline, then lock when ready
Important VA Refinance Notes
- IRRRL: VA-to-VA only; prior occupancy required; seasoning of 210+ days and 6 payments; Net Tangible Benefit (NTB) and ≤36-month fee recoupment required. VA may not require appraisal/credit; lenders may.
- Cash-Out: Subject to credit, income, appraisal and LTV/VA requirements; terms vary by borrower profile and market.
Equal Housing Lender • NMLS # 213875 • © Veterans Mortgage Solutions