DBA For James B. Nutter & Company NMLS 2067

VA Streamline Refinance (IRRRL)

Looking to lower your monthly payment or the number of years remaining on your VA Home Loan? For over 30 years, the U.S. Department of Veterans Affairs has provided Veterans and active duty soldiers like you with an efficient and inexpensive way to lower the interest rate on your VA Home Loan - the VA Streamline Refinance Program, also known as the Interest Rate Reduction Refinance Loan (IRRRL).

Advantages of VA Streamline Refinance

  • Lower monthly payment
  • Reduce the number of years remaining on your VA Home Loan
  • Lower VA Funding Fee (.50% as opposed to 3.30%)


The VA Streamline Refinance simply involves reducing the interest rate and/or loan term on your existing VA Home Loan without an appraisal. In addition, in most states you don’t have to requalify for a VA Streamline Refinance in the same way that you did when you purchased your home*. Here are some of the minimal requirements which are applicable in most states:

  • Must be current on your VA Home Loan (only one late payment in the last year)
  • Minimum 580 FICO Score
  • Owner-occupied or non-owner occupied properties are eligible
  • Must reduce interest rate by at least .50%
  • For term reductions (e.g. 15-year loan), cannot increase your payment by more than 20%

No Closing Cost Option - VA Streamline Refinancing with Nutter

Some greedy VA lenders have been aggressively marketing VA Home Loan programs to Veterans and charging them higher interest rates and excessive closing costs. Perhaps you’ve seen their advertising on TV? At Nutter, we don’t believe in treating Veterans and active duty soldiers who’ve made the ultimate sacrifice that way. Instead, we offer a No Closing Cost Option on our VA Streamline Refinances. We’ll pay for your closing costs such as title insurance, recording fees and closing fees and we won’t charge you any discount points or an origination fee. More importantly, we won’t add those closing costs to your loan balance.

Our No Closing Cost Option will help you lower your monthly payment and by letting us pay for your closing costs, you’ll be able to save more money out of your pocket and preserve more of your home equity. Get started today.

We’re the VA Home Loan Experts

It’s hard to believe, but Nutter Home Loans made its first VA Home Loan in 1951. For over 65 years, we’ve been the VA Home Loan experts. Our founder, James B. Nutter, Sr., was a U.S. Army Veteran and over the years we’ve helped thousands of Veterans and active duty soldiers take advantage of the VA Streamline Refinance Program. We’re known for offering the best VA Loan rates and closing cost options. But more importantly, we understand that our country owes a huge debt to our nation’s finest. It would be our privilege to serve you. Learn more about our VA Home Loans.

Additional Resources:

*Some states require applicants to meet additional credit, debt and income requirements. Contact one of our non-commissioned Loan Officers to find out what the requirements are in your state.

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