VA Refinance Experts
(916) 672-6130

As VA Loan Experts we have years of experience in dealing with Veterans from all walks of life.  We can refinance your home no matter who your existing lender is.  As a Mortgage Broker, we work with numerous different lenders and we pass that savings on to you.  
Starting the process is easy, complete the form at the bottom of the page or simply call us and we will walk you through the process at
(916) 672-6130


The types of VA refinances are:

 

1.  VA Interest Rate Reduction Refinance Loan or IRRRL "earl": This type of refinance is most widely used to lower the interest rates on an existing VA Loans.  There is no appraisal required for this type of refinance, even if you owe more than your home is worth.  If you have made your mortgage payments on time for the last 12 consecutive months then you can refinance without having to provide a credit report or income documentation.  However, if you have good credit and we do pull your credit report then we can get an even better interest rate.
  
2.  VA Cash-Out Refinance:  This type of refinance is where you can pull cash out of the equity in your home to pay bills, pay for college, home improvement, or whatever you may need money for.  This loan will require an appraisal, but you will be able to take cash out up to 90% of the value of your home.  

3.  VA Conversion Refinance:  If you have another type of loan on your home currently and you have VA eligibility you can refinance an existing Conventional, FHA loan or a Private loan to a VA loan.  If you have mortgage insurance (MI) on your current loan you would be able to drop your mortgage insurance.  Another reason to refinance to a VA loan may be that your job or credit situation has changed and the VA loan is more forgiving than the other two loan types, so this might be an option.  

The Cost:
In most cases we can refinance your home with no out-of-pocket costs.  We know that finances are tight so we design your loan so you do not have to pay for any costs of the refinance out-of -pocket.

VA Loan Limit:
A veteran can refinance a home up to $474,950 with no equity in the property.  There is also no mortgage Insurance requirement for VA loans.  

When deciding on the best type of VA refinance one of our licensed loan consultants can help you navigate the refinance and lending jungle.  

Call us at 916-672-6130

Please complete the form below and we will get the process started for you.



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