VA Refinance

Get a VA refinance or VA streamline today, whether it's for a lower interest VA refinance rate, to shorten the years on your term, or to get cash-out.

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Key Features

No lender fees¹

Net Promoter Score of 82²

Experienced in VA lending

Get the cash you need with a VA mortgage refinance.

Earning the privilege to lend to our brave men and women is an honor we take seriously here at NASB. The VA Streamline Loan, or Interest Rate Reduction Refinance Loan (IRRRL), can be used to refinance your current VA mortgage to get a lower interest rate or reduce your term. If you’d rather access equity from your property, a VA cash-out refinance might be a good option for you. Regardless of how familiar you are with VA Streamline refinancing, our friendly, knowledgeable VA mortgage professionals will be there for you every step of the way.

*Minimum loan amount of $175,000 required to apply. Exceptions include mortgage products for properties located within the Greater Kansas City metro and surrounding areas. Contact a NASB Loan Officer for more details on the specific areas and/or zip codes excluded.

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.

Refinancing Closing Cost Calculator

This tool calculates your refinance mortgage closing costs for a given set of loan terms

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Mortgage Refinance Calculator

Find out how refinancing your home mortgage loan might benefit you

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VA Refinance FAQs

Does the VA have a waiting period to refinance?

Yes, to refinance with a VA home loan, you will need to wait the required 212 days (between the first payment on the current loan and the closing date on the new loan) or the time it takes to make six payments, whichever period is longer.

How long does it take for a VA refinance loan to close?

Some VA loans can close in as little as 30 days; it depends on several factors, including how organized you are with your documentation, the efficiency of the VA appraiser, and the required fixes to the home. Getting an IRRRL or VA Streamline refinance can reduce the time to close, as less documentation is required.

Is an appraisal needed for a VA refinance?

An appraisal is required for a VA cash-out refinance but may not be required for an IRRRL or VA Streamline refinance.

What are the requirements for a VA cash-out refinance loan?

You are eligible for a VA cash-out refinance loan if you:

Qualify for a VA-backed home loan Certificate of Eligibility, and
You meet all the credit, income, and any other requirements, and
You will be living in the home that you are refinancing

What is an IRRRL loan?

An IRRRL loan, or interest rate reduction loan, is also known as a VA Streamline refinance. This type of refinancing is for VA loan holders who want to lower their interest rate or change their terms.

What are the requirements for an IRRRL?

You are eligible for an IRRRL if you:

Currently have a VA-backed home loan, and
You will be using the IRRRL to refinance your existing VA loan, and
You can prove that you currently live or used to live in the home that the loan will cover

What is the difference between a VA IRRRL and a VA cash-out refinance?

With an IRRRL, you must have an existing VA loan, and you can only lower your rate or change your term. With a VA cash-out refinance, you can convert up to 100% of the equity in your home into cash.

What is the minimum required loan amount?

A minimum loan amount of $175,000 is required to apply. Exceptions include mortgage products for properties located within the Greater Kansas City metro and surrounding areas. Contact a NASB Loan Officer for details on the excluded areas and/or zip codes.

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VA Refinance Featured Blogs

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How to Refinance a VA Loan to a Conventional Conforming Loan

How to Refinance a VA Loan

2 Ways You Can Refinance Your VA Home Loan

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What Our Customers Say

Jordan S., January 24, 2023

★★★★★ (5)

"Everyone from beginning of the VA Home Loan was extremely helpful, knowledgeable and answered all of my million questions. The loan amount was what I wanted and they made sure we got it and were nice the entire time."

¹NASB does not charge lender fees on VA loans; however, fees payable to third-party service providers are still required, including a VA funding fee if applicable.

²Based on 544 NASB closed loan customer surveys from 12/1/2021 to 7/27/2022. According to Bain and Company, the source of the Net Promotor Score (‘NPS’) system, a score of 50 is excellent, and anything above 80 is world-class.