Check Your VA Loan Eligibility
Get started to see VA Rates in your state.
Have you or your spouse served in the Military?
Yes
No
About VA Refinancing
📉 Lower Your Rate (IRRRL)
If you locked in a VA loan at a higher rate, an Interest Rate Reduction Refinance Loan can reduce your monthly payment — often with no appraisal and a simplified approval process.
💵 VA Cash-Out Refinance
Eligible veterans can borrow up to 90% of their home's value through a VA cash-out refinance — at VA rates, which are typically lower than personal loans or credit cards.
Why Veterans Are Tapping Home Equity Right Now
With the cost of living rising — groceries, insurance, utilities — many military families are using their home equity as a financial buffer. VA cash-out rates are far lower than what most lenders charge for personal loans.
- Pay off high-interest debt
- Cover home improvements
- Build an emergency fund
- Fund education or training
- Reduce monthly obligations
- Major purchases or expenses
✅ You Likely Qualify If:
- ✓ You or your spouse served in the U.S. military
- ✓ You currently have a VA loan (required for IRRRL)
- ✓ You own and occupy the home as your primary residence
- ✓ Your home has equity built up (required for cash-out)
- ✓ You are current on your mortgage payments