VA Calculator | Lower

VA Streamline Refinance

See how much you
can save.

Lower your rate and payment with a streamlined process made just for VA-backed homes.

Today's VA IRRRL Rate*

3.540% Apply Now

Customize yours.


Annual Savings.*

Your current interest rate: Your current rate:
What you owe on your home: Amount owed:

The easier, faster way for Veterans to refi and save.

Less paperwork, less hassle. Faster process, faster approval. Lower your monthly payment with a Lower VA Streamline. It's called an IRRRL (Interest Rate Reduction Refinancing Loan) and we help Veterans refinance with them every day.

Talk to us
  • Savings for Veterans

    We work with the US Dept of Veterans Affairs IRRRL Loan Program to get you a great deal and a simple experience.

  • Easy and Streamlined

    Less paperwork than a traditional refinance, and faster closing times, too.

  • No-Risk Soft Credit Pull

    Seeing if you qualify is super easy and
    won't damage your credit.

  • Free Refi for Life

    Limited time only. Refinance once with, then pay no lending fees on future refinances, for life.*

Lower your rate or change your term.

With a VA Streamline Refinance from Lower, you
can pay less per month or less interest over the
life of your loan. It's a super simple process and
we'll walk you through your best options.

Save more per month.

Old Payment


Why Veteran families love working with us.

Absolutely super

I am a three-time returning customer and things just keep getting better. As a disabled veteran and retired professor [my loan advisor] treated me with absolute dignity and respect.

wmilhou5 | VA Refinance

Very Knowledgeable

[My loan advisor] always contacted us back day or night to answer the questions. Overall, a 5+++ rating if one could be given.

blipps34 | VA Refinance

Excellent Experience

Thank you to for having such a talented, courteous and professional [loan advisor] assisting Veterans like myself.

paulinocorsino | VA Refinance

Friendly and efficient!

Owen was the best loan officer I’ve ever worked with! I’ll gladly refer anyone I know to use his expertise [for their] lending needs.

Paul Fugere | VA Refinance

Very outstanding.

The process went quicker than I expected and Logan was up to date on all steps of the process. I would recommend him to anyone buying or refinancing.

aaheatandcoo | Spring Lake, MI

Better than imagined.

This is not my first refinance. Geza Rakoczi was extremely professional and went above and beyond to make sure our refi went smoothly and got it done!

dkeil9 | Miami, FL

Extremely professional

I recently refinanced my primary residence and took out a HELOC through Lower. Throughout the entire process Scott kept me informed with updates, was extremely responsive and very professional.

Derek N | Castle Rock, CO

Very knowledgeable

Jared did an amazing job consolidating all of our debt and putting us into a great loan! I highly recommend working with him. He was always available when I had questions.

kyle41eshleman | Cleveland, OH

— 4,100+ customer reviews

— 98.6% customer satisfaction