What’s A VA IRRL?

If you already have a VA-backed home loan, you’ve earned the right to a simpler, cheaper mortgage. The VA IRRRL (often called a “Streamline Refinance”) is designed to get you into a lower interest rate with the absolute minimum amount of red tape.

Why Veterans Choose the Streamline Refinance

Slash Your Interest Rate: Directly lower your monthly payment by locking in today’s market rates.

No Appraisal Required: In most cases, we don’t need to send an appraiser to your home. We use your existing VA loan equity.

Zero Out-of-Pocket Costs: You can roll the closing costs into the new loan, meaning you don’t have to write a check at the closing table.

No Income Verification: Unlike a standard refinance, the VA doesn’t require pay stubs, W-2s, or debt-to-income qualifying for an IRRRL.

Rapid Closing: While traditional loans take 30–45 days, our streamlined process can get you to the finish line in as little as 7 to 10 days.

How It Works

• Quick Contact
  Call 1-800-800-0450 or use the handy form above and speak with one of our VA Loan experts
• Simple Review
  We verify your current VA loan status (no heavy paperwork required)
• Fast Closing
  Sign your documents and start saving on your very next mortgage payment.

Why Choose Perry Johnson Mortgage Company?

As a broker, we can shop around your loan from a variety of lenders for the lowest rates and fees. We are a discount mortgage company. We keep our overhead low to pass on the savings to you.

We have specialists in a number of loan products so you’ll be dealing with an expert who can tailor the loan and product specifically to your needs. This also gives us greater product availability (credit scores down to 500, bank statement, non-QM loans) so we’re more likely to be able to help regardless of situation.

Disclaimer: To be eligible for an IRRRL, you must already have a VA-backed home loan and be refinancing from one VA loan to another. The IRRRL must result in a lower interest rate unless you are refinancing an ARM to a fixed-rate mortgage. Closing costs may be rolled into the loan amount, which increases the total loan balance. We are not a government agency. Perry Johnson Mortgage Company is an Equal Housing Lender.