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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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92% of our customers would recommend NASB>2
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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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:
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:
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.
Rate and Term Refinance
Refinance From a VA to a Conventional Loan
Mortgage Refinance FAQs
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"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."
Based on total loan amount
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 13,296 NASB closed loan customer surveys from 1/1/2018 to 4/29/2021.