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VA Refinance Options

The flexibility of the VA refinance loan program sets it apart from conventional refinance loan programs. A VA refinance loan gives the VA-eligible borrower more options and fewer restrictions. Whether your goal is getting a lower monthly payment, consolidating other non-mortgage debt like credit cards, making improvements to your home, or even to pay off your home more quickly, VA refinance loans can help reach these goals and more. There are specific VA home loan refinance options that are optimized for each of these goals. Let a PRMI representative help guide you to the best solution.

VA Streamline Refinance Loan (VA IRRRL)

The VA Streamline Refinance also know as the VA IRRRL, can help you refinance an existing home quickly through a very short application process. Better terms and a lower VA mortgage rate on your refinance can be acheived. This type of loan cuts out most of the underwriting normally associated with a VA refinance, making this a much faster and more convenient option if your goal is to reduce your interest rate, monthly payment, or loan term.

VA Home Improvement Loan

With a VA home improvement loan, pull out as much as 100% of your home’s value as cash to upgrade your existing home and increase its value. The VA Home Improvement Loan is a refinance option that allows you to get cash up to the amount of equity you have to improve your home and make it more valuable. This is a great option for turning your home into a dream home, or making it more valuable for resale.

VA Debt Consolidation Loan

Imagine a 4% interest rate on your credit cards. Most credit cards charge interest at rates around 20%! If you are a veteran or active service member eligible for the VA loan program, you might be able to start making your credit card payments with the same interest rate as your mortgage. Lower your monthly debt payments by using your home equity to pay off higher-interest debt, such as credit cards, after a VA appraisal. This will save you a ton of cash and help you pay those credit cards off more quickly.

VA Cash Out Refinance Loan

The equity in your home can be used to pay off a major purchase, go back to college, increase your savings, and more. If you’ve been faithfully making your mortgage payment for 10 years or more, you have a considerable amount of equity built up in your home. The cash-out refinance option can take some of that equity and turn it into cash in your pocket, allowing you to pay off a car, make a major expense, support a child at college, or just put it into savings for a rainy day.

VA Refinance Relief – Veteran's Benefits Improvement Act of 2008

Get out of a subprime mortgage that has bad terms and a high-interest rate, even if you have little or no equity. You might be eligible for lower VA mortgage rates when you refinance. The Veteran’s Benefits Improvement Act of 2008 gives veterans with conventional loans a second chance to refinance into VA loans. This act specifically targets veterans who have sub-prime mortgages with unfavorable terms and/or higher interest rates. The act allows those veterans to refinance into the VA loan program. Even veterans who are “upside-down” in their current mortgage can refinance into the VA loan program, including borrowers with little or no equity in their homes. If you are a veteran borrower who had fallen victim to the recession and trapped with a difficult mortgage situation, this could be your answer.

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Check Official VA Loan Requirements

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Arkansas Home Mortgages

Primary Residential Mortgage, Inc.
10121 N Rodney Parham, Suites C & D
Little Rock, AR 72227
NMLS # 3094
Branch NMLS # 252910
Licensed by Arkansas Securities Department 11558
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Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.