Unlock a Lower Mortgage Payment:
Fast, Easy & Secure
Refinance your VA loan with a special program called The IRRRL, The Interest Rate Reduction Refinance Loan. No income documents and $0 out-of-pocket options. Most veterans close in ~15 days.
See How Much You Could Save
Find out how a lower VA rate can impact your monthly budget. On a $350,000 loan, a 1% lower interest rate could reduce your payment by $225/mo. Enter a
few details and see your potential savings — fast, simple, and secure.
Current Payment
$2,165 / month
Example based on existing VA loan
Savings
$225 / month
That's $2,700 a year!
New Payment
$1,940 / month
With IRRRL refinance option
Why Veterans Choose the VA IRRRL
Save time, reduce costs, and lower your payments with a streamlined
refinance built for veterans and their families.
No Appraisal Needed
Skip the appraisal process and avoid extra costs or delays.
No Income Verification
All qualified veterans can refinance without W-2s, pay stubs, or tax returns.
$0 Out-of-Pocket Options
Choose to roll closing costs into your loan, and receive an escrow refund within 30 days of funding.
Lower Monthly Payment
Secure a reduced rate and free up more room in your budget.
Fast, Streamlined Closing
Typical refinancing completed in as little as 8 to 22 days.
Defer Up To 2 Payments
Skip ONE full mortgage payment and in many circumstances you might be able to skip up to TWO.
Estimate your monthly savings
Just enter your current loan balance and monthly payments (Principal + Interest Only)!
How It Works
Refinancing your VA loan is simple. Just answer a few quick questions, review
your personalized savings, and close with EASE — all in about 15 days.
Speak To Our VA IRRRL Specialists
In a quick 15 minute call, we'll be able to determine your eligibility!
Fill Out A Quick Online Application
Use a secure portal to enter your information, with the assistance of our licensed specialists.
Ease Into Savings!
Within about 15 days you'll be enjoying your new savings, with no hassle or headaches.
Why Legacy Lending?
At Legacy Lending, we are dedicated to helping military families maximize their VA benefits. Our mission is to make the refinance process simple, fast, and stress-free.
We specialize in VA home loans and refinancing, with years of experience helping veterans and military families. Our team knows the VA guidelines inside and out, so you can rest assured your loan is handled with precision and care.
No surprises, no hidden fees. We walk you through every step of the VA IRRRL process in plain language, making sure you always understand your options and next steps before moving forward.
You’ll never feel like just another file. Our team is committed to answering your questions quickly and guiding you from start to finish. We treat every veteran like family because you’ve earned nothing less.
Legacy Lending is fully licensed, compliant, and backed by a reputation of integrity. Veterans across the country trust us because we put their best interest first—every time.
Trusted by Veterans Nationwide
Hear from fellow veterans and their families who’ve lowered
their VA mortgage payments quickly and easily.
Common Questions
About VA IRRRLs
Get clear answers to the most common questions about VA IRRRL refinancing — from eligibility to costs, timing, and benefits.
No. The VA designed the Interest Rate Reduction Refinance Loan (IRRRL) specifically to make refinancing easier and more affordable for veterans. While some predatory lenders have given it a bad name, a legitimate VA IRRRL is straightforward — lower rates, reduced paperwork, and no hidden catches.
Not necessarily. You have options: Roll costs into the loan balance, Use lender credits to offset them, or Pay them out of pocket if you prefer.We break down the numbers side by side, so you see exactly where every dollar goes.
Yes, and we will show you how. We account for fees, escrow changes, and loan term options before closing so you know the real savings. Most veterans see an immediate reduction that feels like a raise in their monthly budget.
No. While a 30-year term is available, you can also choose shorter terms, so you don’t add decades to your mortgage. Many veterans even shorten their loan and still lower their rate.
Absolutely not. You are not using up your VA entitlement. The IRRRL simply improves the terms of your existing VA loan, and your benefit remains available for the future.
VA guidelines require that your savings recoup the costs within 36 months or less. We run a break-even analysis with you, so you’ll know whether refinancing makes sense for your timeline
No. The IRRRL only requires a soft credit pull, which does not affect your credit score. Refinancing does not “reset” your loan in a risky way — it lowers your payment and can give you stronger financial stability.
We understand. Many veterans have had bad experiences with hidden fees or poor communication. That’s why we prioritize transparency, side-by-side comparisons, and clear explanations. You’ll always know exactly what’s happening. Our credibility comes from serving the military community, not chasing flashy numbers.
Ready to Lower Your VA Mortgage Rate?
Start your refinance today with a quick, secure form. No appraisal,
no income paperwork, and $0 out-of-pocket options available.
