VA Refinance Options

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Not only are there advantages for first-time homebuyers who apply for Veteran's Administration (VA) guaranteed loans, there are benefits for veterans and other qualified individuals who refinance their current mortgages.

Veterans can take advantage of today’s historically low interest rates and perhaps lower monthly mortgage payments with our program specifically designed for America's service men and women!

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For those currently in a VA loan and would like to explore a lower rate, a streamline refinance/ Interest Rate Reduction Refinancing Loan (IRRRL) may be your best option. The main requirement for IRRRL is that the existing VA loan is current, and all payments for the past 12 months have been on time.

This streamline loan allows veterans to refinance their VA loan with little or no out-of-pocket costs.

  • No appraisal required

  • May lower your monthly payments

  • Simple and fast closing with no income verification or qualifying debt ratio, in most cases

  • Expand your repayment period

  • Little or no out-of-pocket costs required

  • No need to obtain new Certificate of Eligibility, unless needed to confirm eligibility


With the current rates, there is no better time than the present to consider a refinance! For more information please speak to a licensed Mortgage Loan Officer in your state.

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Copyright©2019 Geneva Financial, LLC, NMLS #42056

This is not a commitment to make a loan.  Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet LTV requirements for refinances, and final credit approval. Not all applicants will qualify. Approvals are subject to underwriting guidelines, interest rates, and program guidelines. Approvals are subject to change without notice based on applicant’s eligibility and market conditions.  Geneva Financial LLC is not acting on behalf of or at the direction of HUD/FHA or the Federal Government. Geneva Financial LLC is approved to participate in FHA programs but the products and services performed by Geneva Financial LLC are not coming directly from HUD or FHA.  Geneva Financial LLC NMLS #42056 is an Equal Opportunity Lender and Equal Housing Lender. 3155 S. Price Rd Chandler, AZ 85248. 1-888-889-0009.  AZ BK #0910215