Streamlined VA to VA Refinance.

Learn more about the VA IRRRL Loan (No appraisal, No DTI calculated & streamline process with less documentation).




Valor Lending Group is committed to serving our Veterans .

Veteran and their families can CONTINUE to count on great pricing and a smooth process.

We have STRONG funding sources with competitive rates for your VA Home Loan needs.


What is a VA IRRRL? Streamlined VA to VA Refinance.

Firstly, IRRRL stands for Interest Rate Reduction Refinancing Loan.

Secondly, IRRRL purpose is to reduce your interest rate on your Primary Residence** with less documentation (streamlined) than a FULL Doc VA R/T Refinance.

A Net Tangible Benefit must be met in accordance with VA guidelines:

In addition, no appraisal*, DTI calculation, or condo projects don’t need current approval.

Why get an IRRRL?

Furthermore, on a no-down-payment loan, you can borrow up to the Fannie Mae/Freddie Mac conforming loan limit in most areas—and more in some high-cost counties.

Information on VA Loan Limits

What documents do you need to submit this loan? 

(additional documents to be requested)

* Exterior inspection may be required | case by case basis

** California Properties ONLY

Finally, please feel free to give us a call to answer any questions on the VA IRRRL Loan and/or discuss your loan and get today’s current rates and pricing.


Be safe out there during this time and remember VALOR IS STILL serving YOU!

In conclusion, we are never too busy for your referrals.

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Valor Lending Group

We Offer Every Mortgage Loan in the Book


Valor Lending Group
CA DRE #02026238  |  NMLS #1600345

Petco Park DiamondView Tower
350 10th Ave | 10th Floor
San Diego, CA 92101
Office: (619) 344-2640
Fax: (619) 872-2400

Arizona Branch

Valor Lending Group, Inc.
Branch ID# 2245288 | MB-1030262

Eagle Ridge
1548 Hawkeye Ridge Ave
Prescott, AZ 86301
Office: (619) 344-2640
Fax: (619) 872-2400