The VA IRRRL—also known as the VA Streamline Refinance—is one of the easiest ways for veterans to lower their mortgage payments. With minimal documentation, no appraisal in most cases, and fast closings, it’s the quickest path to securing a lower rate and long-term savings.
What Makes the VA IRRRL So Popular?
No appraisal required (in most cases)
No income docs or employment verification
Lower rates, lower payments
Closing costs can roll into the loan
Fast, streamlined process
It’s refinancing made simple—exactly what our veterans deserve.
Why Brokers Choose Mega Capital
For over 25 years, Mega Capital has delivered fast turn times, competitive VA pricing, and exceptional service. We make the IRRRL process smooth with:
Experienced VA underwriters
Consistent communication
Competitive rates
A veteran-first mindset
Who’s Eligible?
Veterans with an existing VA loan who want to reduce their rate or payment. No appraisal. No income docs. Quick approval.
Highlights:
- Eligible after 210 days after 1st payment date
- 620 Fico
- 100% LTV
- Min. 50 bps net tangible benefit
- 0x30x12 / No seasoning for BK/FC
Required Documents:
- VA IRRRL Loan Amount Worksheet
- Payoff Demand
- Copy of Note
- Mortgage Statement
- VVOE – No Income
The VA IRRRL offers veterans a simple, stress-free way to lock in savings—and Mega Capital makes the process even faster, easier, and more reliable.
Please contact your Account Executive for more details.
