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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.

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What type of loan are you looking for?

  • Get the most up-to-date rates available
  • For purchase or refinance, all loan types
  • 15-year and 30-year term options
  • A variety of mortgage payment calculations
  • Learn which loan is better for you
  • Help to make term and loan type decisions

VA Refinance FAQs


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.

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.

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

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

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.

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

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.


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What Our Customers Say
Adam O., July 15, 2021
★★★★★ (5)

"My wife and I looked into using a couple of other veteran-focused financial institutions for our VA home loan and NASB was by far the best. Their timeliness, attention to detail, the best rate offered, and customer service is what made our decision to use them for our home purchase."

Local banking. National lending.

Since 2010, NASB has helped over 41,000 veterans get loans

Based on lender data

Top 40 VA Lender for 2021

Based on total loan amount

Many of NASB’s loan officers are veterans

Representing all branches of the military

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.