VA IRRRL Home Mortgage Loans

We proudly support veterans, active-duty service members, and their families by offering streamlined refinancing through an Interest Rate Reduction Refinance Loan (IRRRL). This loan option allows you to reduce the interest rate on your VA loan, helping to lower your monthly payments or shorten your loan term.

An IRRRL, also known as a VA Streamline Refinance, is a specialized refinancing option for veterans, active-duty military members, and eligible surviving spouses. It’s designed to reduce the interest rate on your existing VA loan, potentially saving you money each month, even if you have little or no equity in your home.


  • No Income or Assets Required: You don't need to provide proof of income or assets (unless required for closing costs), making the application process much easier.

  • No Appraisal or Credit Check: The IRRRL process eliminates the need for a home appraisal or credit check, simplifying your refinancing journey.

  • Little to No Upfront Costs: Closing costs can be rolled into the new loan, allowing you to refinance with little or no money paid upfront.

  • Lower Monthly Payments: By refinancing to a lower interest rate, you can reduce your monthly mortgage payments, giving you more financial flexibility.

  • Flexible Terms: You have the option to shorten your loan term to pay it off faster or extend it for even lower monthly payments.

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Eligibility Requirements

To qualify for an IRRRL, you must meet the following criteria:

  • VA Loan Eligibility: You must have an existing VA loan and VA loan eligibility.

  • Military Service History: You need to provide documentation of eligible military service history.

  • Current on Payments: You must be current on your existing VA loan, having made at least six payments.

  • Lower Interest Rate or ARM Conversion: The IRRRL is designed to lower your interest rate or refinance you out of an Adjustable-Rate Mortgage (ARM).

  • Lower Monthly Payment or Reduced Loan Term: The new loan must either lower your monthly payment or reduce the overall loan term.



Consider These VA Home Loan Benefits

No Appraisal or Credit Check Required

We streamline the process so you can focus on saving money without the hassle of a credit review or home appraisal.

Competitive Rates

Credit Union of Texas offers competitive interest rates to help you maximize your savings over the life of the loan.

Veteran-Focused Service

Our experienced team understands your unique financial needs and is here to guide you through every step.




The right mortgage is the key to good living.

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Use our VA Home Loan Calculator


*Information and interactive calculators are made available to you as self-help tools for your independent use. We do not guarantee the accuracy of the calculators or their applicability to your circumstances. You may contact us so that we may provide you with even more details and information about our products.


Get a good look at where you are and where you're going next.

Financial Calculators 

VA Mortgage FAQs







To know for certain, it's best to connect with our mortgage lending team so we can help you find the right home loan for your situation.

Along with the down payment and monthly payment, you have:

  • Closing costs, which may be between 1% and 5% of the loan
  • Property taxes
  • Home insurance

Plus, as a homeowner, you’re responsible for upkeep and maintenance, so it’s a good idea to have extra money budgeted for those expenses.

Get started above, or give us a call! A consultation with one of our mortgage lending specialists will lead to you getting pre-qualified for a loan. Our mortgage lending team can find out what loan amount you may qualify for and help you pick the best type of loan for you to buy the home of your dreams. They can also help you create a strategy for coming up with a down payment and getting your finances in order as you work towards buying your new home.








Why CUTX?

The stuff, loan team and customer service were very helpful throughout my car loan process. Credit Union of Texas was able to offer me the best rate available for my vehicle. I would highly recommended CUTX to all of my friends and family.
Abebe A.
Great folks to work with and great rates! We saved a ton on our auto loans! Thanks, CUTX!
Russell V.

I simply love this credit union location. My family has gotten several auto loans and personal loans there. I have been a member for over 30 years and my children have accounts also.

Laretha S.

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NMLS #576560 Credit Union of Texas provides mortgage loans through its affiliate Texas Mortgage Lending, LLC, NMLS #1641703. CUTX home loan programs are only available in Texas. Loans are subject to credit approval, CUTX's lending policies, and property approval. Prequalification is not a commitment to lend. Membership required.