VA Streamline Refinance (IRRRL) Program

Now through August 1, 2024, we are offering a rate special for VA IRRRL and FHA Streamline home loans.  Your chance to save is here! If you’re currently in a VA or FHA home loan with a rate over 6%, you may be eligible for a refinance rate starting in the 5%'s. 

Serving Veterans since 2008, we are thankful for our Veterans service and we would like to help you save as much as possible on your home loan.  That is why we offer the best VA Streamline Refinance program in the country!

While most banks and lenders require a 640 minimum credit score, our VA Streamline Refinance program does not require a minimum credit score.  If you've been turned down in the past from other lenders, you should contact us today. 

Our VA Interest Rate Reduction Refinance (IRRRL) program is a government-backed mortgage loan for active duty and prior service veterans who already have an existing VA loan.  It provides a fast, simple, and hassle free way to refinance a current VA loan to a lower rate allowing you to save money.  This is just one of the many VA home loan products our company offers.  Looking to purchase for $0 down or take cash out, we also offer these VA loan options.  To learn more about VA Home Loan options, click here.


- No credit score required for VA Streamline IRRRL
- No Appraisal Required
- No Out of Pocket Expenses
- No Income or Assets Verification
- Defer two payments
- Lower Interest Rate and Monthly Payment

In addition to zero down, the VA loan limits closing costs and requires no private mortgage insurance (PMI) or early payoff penalties.

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VA IRRRL: Streamline Refinance Loan Benefits

Why a No Appraisal VA Streamline Loan?

It's simple - No Appraisal Required, No Out of Pocket Expense, Lower Payments, Defer 2 Mortgage Payments.  No minimum credit score required on VA IRRRL Streamline Refinance.

Why do thousands of people using their VA Home Loan benefit every single month?

Simply put... VA home loans are the best overall deal for 100% financing. Allow us to assist you in lowering your monthly payment, lower your interest rate, and purchase a home with $0 down.

Purchase With No Money Down

VA Home Loans are one of the only loan programs that still allows the borrower to finance 100% of the home's value and purchase with no money down. Now more than ever, banks are requiring large down payments for conventional loans. In many cases, banks require 20% down, putting home ownership out of reach for many prospective home buyers.

Lower Your Monthly Payment using your VA Benefit

American Home Lending USA offers two benefits that will substantially lower your monthly payment. PMI, or private mortgage insurance is not required on a VA loan. PMI is an added monthly expense required for conventional loans where the borrower finances more than 80% of the home's value.

Interest rates are also lower with a VA Loan, typically 0.5%-1.0% lower than a conventional loan. A lower rate combined with monthly PMI savings can substantially lower your monthly payment.


No Down Payment!

There is no down payment on most home purchase!

  • Benefits
  • icon Avoid Needing Large Payment
  • icon Use Your Money For Other Things

Closing Costs

Some Veterans are eligible for limited closing costs

  • Benefits
  • icon Smaller Loan
  • icon Lower Payments


Avoid paying private mortgage insurance

  • Benefits
  • icon Hassle Free Funding 
  • icon Get Your Dream House

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