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Talk to one of our VA Loan experts today to learn about these exclusive programs!

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VA Refinancing

USAVA offers quick and competitive VA Refinance Loan options.  This loan is also often called the IRRL (Interest Rate Reduction Refinance Loan).  This particular type of loan is designed to lower your interest rate if you currently have a VA Home Loan.  It’s designed to dramatically lower your mortgage payment and offer relief for those that are in adjustable rate loans or high interest rate loans.

USAVA can also offer VA IRRL loan options for “Non-Owner Occupied Properties”.  Some restrictions do apply and we invite you to call us today for more information and program details.

Convert your Adjustable Rate to a Fixed Loan

This program can refinance an existing VA adjustable rate mortgage (ARM) into a VA fixed rate mortgage. This is very ideal for those that had obtained original financing through an ARM loan only to find themselves with a larger payment as the adjustable rate increased beyond their capacity. If you are in a situation like this, please call us to discuss your options today.


  • No appraisal, income or asset information is required when applying for an IRRL.
  • An IRRL requires “no money out of pocket.” Ask about our no closing cost option where the new loan amount will be your payoff from your current loan.
  • Convert your existing VA ARM while rates are still low and lock into a fixed loan today.
  • You may receive up to $500.00 at closing from the loan proceeds.