VA IRRRL rates
- 6.250 % interestSee note2
- 6.383% Annual Percentage RateSee note3
You can include all costs in a VA IRRRL and we'll cover your title and funding fees. We don't charge an origination fee for any of our VA mortgage loans.
VA IRRRL benefits
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Lower interest rate
You could save on your monthly payment by refinancing your VA loan.
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Less paperwork
The VA IRRRL process is much simpler, and fewer documents are required.
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Lower closing costs
In most cases, you could save with $0 out of pocket.
It's easy to get a VA IRRRL.
Call us at 800-531-0341. We'll work with you every step of the way.
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Step 1: Answer a few questions.
You'll need your VA loan interest rate and what you pay for insurance, taxes and dues for your homeowners association, or H O A.
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Step 2: Provide a few documents.
In some cases, you may only need to show proof of homeowners insurance and any H O A documents.
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Step 3: Sign your new loan documents.
We'll work with you to schedule a closing day.
Mortgage payment calculator
The monthly payment amount shown is based on information you provided and is only an estimate.See note4
Why USAA Bank for a VA IRRRL
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Top VA Home Loan LenderSee note5
USAA Bank is ranked one of the top VA mortgage lenders.
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20+ Years
USAA Bank has more than 20 years of experience with VA home loans.
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Over a Century of Service
USAA has served the military since its founding in 1922.
Other refinance loansSee note6
You may need a cash-out refinanceSee note7 if you plan to tap into your home's equity up to a cash-out limit of $500,000. Use the cash how you like.
VA IRRRL frequently asked questions
Learn more about refinancing
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When should I refinance my mortgage?
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What your home is worth - and why it matters
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VA-backed loan information