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Refinance with a VA IRRRL streamline.  Close in 10 days or less.  No appraisal is required.  Take advantage of the lowest rates we have seen in years.

Take Advantage Of The Lowest Rates In Years!

Rates As Low As 2.25%! (2.54% APR based on loans above $160k, loan to value 80%, 740 credit score, 1% origination fee)

20%

The preferred way to reach us directly is to submit an inquiry above. A licensed loan officer will call you to discuss your scenario.

We are also available anytime at:  210-365-1817

We're here to answer all of your questions about VA loans!

Frequently Asked Questions

What is a VA IRRRL?

A VA Interest Rate Reduction Refinance Loan — or IRRRL — is often called a “VA streamline refinance” because the lending approval process is greatly simplified. An IRRRL doesn’t require an appraisal or go through the typical VA lender underwriting process. That saves a lot of time, paperwork and fees.

How does a VA IRRRL work?

A VA IRRRL is used to refinance one VA Mortgage into another. The idea is to lower your current VA rate with very little headache. With it, you get a lower rate, a lower payment, or both. You can also move from an adjustable-rate loan to a fixed-rate loan.

Lenders love IRRRLs. Borrowers do, too, because they are much easier to navigate than regular VA loans.

I am a veteran but how do I know if I am eligible?

VA Loans are available for any:

– You must have a current VA loan in order to qualify for a VA IRRRL.

– Military members who served 90 days on active duty during wartime or 181 days during peacetime.

-Members of the National Guard or Reserves who served for six years

-Spouses of service members who died in the line of duty

-Service Members, Veterans, and Eligible Surviving Spouse

Can you get a cash out VA streamline refinance?

You can’t, but there’s an exception: Up to $6,000 in cash can be taken out from your IRRRL for energy-efficient improvements. A lender may require an energy audit of your home to prove the upgrades will provide a real return on investment.

Other than that, there are no other cash-out options on an IRRRL. Your closing costs can be rolled into your loan balance or priced into your interest rate, just like any other VA home loan.

Where is this program available?

This program is available in every area of the country! And the good news is we have a team of people available to help, no matter the area!

© OneTrust Home Loans is trade name of the legal entity, CalCon Mutual Mortgage LLC, a Delaware LLC (NMLS #46375). The OneTrust name has been registered in most states where CalCon operates, and in those states where it is not registered, we operate as CalCon. Equal Housing Lender.

PRIVACY POLICY | LICENSING

Current guidelines for VA Home Loans can be found at http://www.benefits.va.gov/homeloans/index.asp. This advertised VA Loan is a 30 Year Fixed Rate Mortgage with a 30-year fully amortizing term and is based on an example loan amount of $160,000 at 2.250% interest rate, 80% loan-to-value (LTV) and minimum credit score of 740 with initial payments of $611.58. The Annual Percentage Rate (APR) is 2.593% with 2 points due at closing. Interest rate quoted assumes rate-term refinance with 45-day lock pricing. The actual interest rate, APR and payment may differ from the sample used based on the specific loan selected, verification of information, credit history, property location and type, and other factors as determined by Lender. Payment amount shown does not include taxes and insurance premiums.

Not all applicants will qualify. Rates and terms effective 11/5/2020 and are subject to change.  CalCon Mutual Mortgage LLC, dba OneTrust Home Loans is an Equal Housing Lender NMLS #46375; 3131 Camino Del Rio North Suite 1680, San Diego, CA 92108. Corporate phone (888) 488-3807. 5501 LBJ Freeway Suite 720 Dallas, TX 75240; NMLS# 259918; SML Mortgage Banker Registration Branch License Regulated by Texas Department of Savings and Mortgage Lending, License #SML 259918/46375.

CalCon Mutual Mortgage LLC, dba OneTrust Home Loans is an Equal Housing Lender NMLS #46375; 3131 Camino Del Rio North Suite 1680, San Diego, CA 92108. Corporate phone (888) 488-3807. 5501 LBJ Freeway Suite 720 Dallas, TX 75240; NMLS# 259918; SML Mortgage Banker Registration Branch License Regulated by Texas Department of Savings and Mortgage Lending, License #SML 259918/46375.