Veterans Mortgage of America is a VA Approved Lender | NMLS ID 3117

VA Refinance (IRRRL)

Veterans Mortgage of AmericaTM offers a quick and competitive VA Loan Refinance.  The Department of Veteran Affairs calls this an (IRRRL) Interest Rate Reduction Refinance Loan. The IRRRL is designed to lower your interest rate by refinancing your existing VA home loan. This program is designed for those who already have a VA Home Loan and may lower your mortgage payment every month depending on your current rate.* *When refinancing, your total finance charges may be higher over the life of the loan. ***We can now offer a VA IRRRL on Non Owner occupied properties. Some restrictions may apply. Please contact us today for more information.


  • No appraisal, income or asset information required when applying for an IRRRL.
  • An IRRRL requires “no money out of pocket” ask about our no closing cost option, 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 should adjustments be required at closing.

Convert your Adjustable Rate to a Fixed Loan

It is also possible to refinance from a 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 let us help you today.
Jimmy O.
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"USAVA Lending did a fine job. They explained everything. They treated me just fine and they were real friendly. If I had a question they got right back in touch with me at the time they said they would. They got what I wanted. I had no complaints. They corrected things that needed to be done. I was alright with the interest rate being the same. I would recommend them."
Elizabeth C.
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We received VA Refinance from USAVA Lending. All expectations were meet we had excellent communications from the "Executive Assistant. They provided prompt and thorough services. I would recommend USAVA Lending. It was easy with no hassles."
Will M.
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"The service was real good and they were pleasant. They were real polite and nice. The loan closed early and it did not take too long. We had no problems with them. The loan originator was excellent. He set us up and he was fantastic! He called back to see if everything went smooth and to find out if we had any questions. We did not have any questions because they answered them. I would definitely recommend them."
Barbara S.
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"They did a great job! I was very satisfied with their helpfulness and they went as far as taking care of the little details. During the time I was refinancing, my husband was in the hospital and was in ICU. The Senior Loan Processor was very helpful and was there for me when I couldn't be quite there myself. We got a reduced interest rate and reduced payment. I got a lot of great customer service from their team. I was looking for a place online and just happened to find their website and have been trying to refinance for 2-3 years..."
Charles M.
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"Thank all of you that worked to get this mortgage through. The Senior Loan Processor was quite a tireless person working with us. She was good to us and caring. She was also reassuring. We were very nervous and she calmed our fears.We would recommend USAVA Lending very highly. They were friendly, courteous, informative. They explained everything. USAVA Lending was the first loan company we have used in many years and it was worth our while. They facilitated the process, so we had nothing was held up."
Levi M.
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"I have used USA Home Loans a couple of times now and I keep going back because the employee I work with is great. I am always treated well and the employee is very personable. I have recommended them and if asked I would keep recommending them they are efficient."
Anthony Z.
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"Everyone at USAVA Lending did a splendid job in refinancing my home..They were very courteous,imformative, and answered all my questions. They were all very professional in handling my re finance, and it was finished promptly.I recommend your Lending Instition very highly.Thank you all for doing such a great job!"
Joe L.
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"Compared to Chase and other places that I worked with USAVA Lending were excellent. It was impressive because they are in Arizona and I am 1000 miles away in the bay area in California and I got better service from them than I would get from Chase who is literally around the corner. When the loan originator contacted me I was kind of leery that something like this would go through, but he did a remarkable job in terms of managing the loan application and process..."