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VA IRRRL

• Refinance your existing VA loan to a lower interest rate.
• This loan can be done with "no out of pocket money" by including all costs in the new loan, or by making the new loan at an interest rate high enough to enable you to pay the costs.
• The VA does not require an appraisal, income or employment verifications, a credit report or termite report, as long as the current mortgage has been paid as agreed for the last 12 months and is up to date at the time of refinancing.
• You are allowed to include up to $6,000 in your refinancing loan for the purpose of energy efficient home improvements.

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