VA Refinance

Great rates from a Top VA Lender

Get cash, lower your rate, or reduce your term with a VA refinance

North American Savings Bank (NASB) is proud to be a Lending Tree Top VA Lender and is committed to being the best in the business. Here's why:

  • We can help refinance your current VA mortgage for a cash-out, a lower interest rate, or a term reduction. 
  • NASB makes applying for a VA loan online simple and painless, with no lender fees*, $0 points, and $0 loan origination fees. 
  • Regardless of how familiar you are with VA refinancing, our friendly, knowledgeable VA mortgage professionals will be there for you every step of the way.

Please read below for an overview and the different options available to you. Contact us to get started.

Why you should refinance your VA mortgage with NASB:

  • Lending Tree Top VA Lender
  • Simple to apply and pre-qualify
  • 99% of customers recommend NASB
  • Since 2010, NASB has helped over 26,000 veteran homeowners close more than $8.2 billion in home loans.
  • NASB ranks as one of the top residential lenders AND one of the top 15 VA lenders in the U.S.

Get a Quote! We Lend Nationwide

By clicking the Submit button you agree that you are providing an electronic signature expressly authorizing NASB to contact you by telephone at any of the telephone number(s) provided above using an automatic telephone dialing system or an artificial or prerecorded voice or via text/SMS message, even if the telephone number is assigned to a cellular telephone service or other service for which the called party is charged. NASB may also contact you via email using any email address you provided. This authorization overrides any previous registration on a federal, state or corporate Do Not Call Registry or any internal NASB privacy or solicitation preference you have previously expressed. You are not required to provide this authorization as a condition of purchasing any property, goods or services from NASB. As an alternative, you may call us directly at (866) 627-7119 and we will process your request over the phone.

Get a Rate Quote

To receive a personalized rate quote, or get pre-qualified online, fill out the form above and a loan officer will be in contact with you.

Or you can call 855-465-0753 to speak with a  loan officer.

If you would prefer to schedule an appointment to talk, click here.

Types of VA Refinance Programs


Veterans and Active-Duty Military Personnel who already have an existing VA loan are eligible for VA Streamline Refinancing. The Department of Veterans Affairs (VA) implemented this program to help veterans lower their interest rates and monthly payments with no out-of-pocket costs. The VA Streamline refinance, also known as the Interest Rate Reduction Refinance Loan (IRRRL), is one of the best options on the market. In addition to lowering interest rates and monthly payments, IRRRL's are also one of the easier programs to get approved for. With this type of VA streamline refinance, there is often no appraisal required or income documentation making this hassle free and streamlined. Contact us today to get started.


A Cash-Out utilizes the equity in your home to help you make needed home improvements, cover education expenses, or pay off other high interest loans or credit cards. The amount of equity (i.e. cash) you are able to borrow is based on the appraised value of the home used to secure the new VA loan balance, along with other factors such as credit score, income, and existing debt. In most scenarios you can receive at least 95% of the home’s value and in some instances receive a loan for 100% of the appraisal value. The benefits of this include no out-of-pocket costs and no private mortgage insurance payments. In addition, the interest rate and payments on a VA mortgage loan are often lower than a comparable conventional mortgage option.


If you do not currently have a VA loan but are now an eligible borrower who qualifies for one, you too may be able to lower your interest rate and save on your mortgage. Moving your current mortgage to a lower rate VA home mortgage, will not only lower your monthly payment and free up extra cash, but also eliminate expensive mortgage insurance payments. Furthermore, you may be able to save thousands of dollars in interest premiums by lowering the term of your loan.

NASB Reviews

va loan review

Everyone I dealt with was a top notch professional. It makes me even prouder having served my country, knowing I got this type of excellent treatment. Thank you NASB and everyone involved. Someday I would like to meet each and everyone involved in this transaction, you people are what America is made of, thank you again for the smooth transaction

- John from Indiana

va loan review

What a difference Dallas made for me and my family. Professional, honest, always available and got us an incredible rate and closed in under 30 days---truly, an excellent experience; I wholeheartedly recommend Dallas if your looking for someone that's top-notch, shoots straight and is never pushy. Thank you, Dallas, for helping us get a great rate on our VA loan.


- Christopher from California

va loan review

The NASB team went above and beyond for me and my family and closed an important VA home loan on time despite many changes, my military retirement, and a very challenging Antebellum home that required the entire NASB team to pull out all the stops, know the rules and regulations, and guide us through a tough VA process. I truly believe we would not have closed on time with a different team. I will only recommend NASB for home loans...especially complicated VA loans.


- Nathan from Columbus

*NASB does not charge lender fees on VA loans; however fees payable to third party service providers are still required.