VA Streamline Refinance

Closing Loans On Time, Under Budget With No SurprisesĀ®

VA Streamline Refinance

The VA has created a program called the Streamline Refinance to provide a way for current VA homeowners to lower their interest rate with little or no out-of-pocket costs. These loans can also be made faster and with less documentation than a typical loan.

An Interest Rate Reduction Loan or Streamline Refinance allows you to refinance your current mortgage interest rate to a lower rate than you are currently paying. This is only available to veterans who are refinancing their original VA mortgage and utilized their original eligibility.

“No Cost” Streamlines let you refinance your mortgage with no out-of-pocket expenses. One option is to let the lender pay the costs in exchange for a higher interest rate. Another option that lets you obtain market rates is to roll the closing costs into the new loan.


  • No assumptions are allowed.
  • The veteran cannot receive any cash back.
  • VA, in some instances, does not require an appraisal, any income or employment verifications, no credit report and no termite report, yet the mortgage must have been paid as agreed for the last twelve (12) months and must be up to date at the time of refinancing. * Each individual mortgage company may require an appraisal, verify employment or have additional requirements at their discretion.
  • Any other liens must be subordinated to the VA loan.
  • 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 the lender to pay the costs.

The VA streamline refinance process allows you to refinance your current mortgage interest rate to a lower rate. The Streamline loan is extremely popular because of its ease of use and quick processing.

To start the process you can do any of the following:

Call us directly at 720-943-4278

E-mail me at

Fill out the form below, or simply apply now.

Contact Us