Trident Home Loans

As a fellow veteran, we understand the importance of keeping your hard-earned money in your pocket. With our Streamline IRRRL program, you can reduce your monthly mortgage payments by taking advantage of the current lower interest rates. You won’t have to worry about any third-party closing costs or lender fees. There’s no income or appraisal required, and the streamline paperwork process is simple and straightforward. We will arrange for a free mobile notary to come to you, so you can close the loan when and where you want, at your own convenience. We are dedicated to serving veterans like you and are ready to help you through the entire refinance process.”

You won’t have to worry about any third-party closing costs or lender fees. There’s no income or appraisal required, and the streamline paperwork process is simple and straightforward.

Contact Our Team

For any questions or concerns,

Email: [email protected]

To speak with someone on our IRRRL specialist team, Call: 888-817-1267

Jonathan Kulak

Mortgage Loan Originator | NMLS 1403506

#5 Veteran Loan Originator in the Country by volume (2020)
#7 Veteran Loan Originator in the Country by volume (2021)
#8 VA Loan Originator in the Country by volume (2021)
#7 Veteran Loan Originator in the Country by volume (2021)
Former AC-130 Pilot, Lt Col USAFR, Texas A&M ’05

Learn about the Streamline IRRRL

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Senior Mortgage Loan Originator, Jonathan Kulak, NMLS 1403506, discusses the eligibility and requirements to apply for a VA IRRRL.

Trident Home Loans, LLC | NMLS 65716

VA IRRRL: Eligibility and Requirements

February 21, 2023 9:14 pm

VA IRRRL: Eligibility and Requirements

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Senior Mortgage Loan Originator, Jonathan Kulak, NMLS 1403506, discusses how obtaining a VA IRRRL will be at no cost to you. Trident Home Loans will pay for your closing costs via a lender credit, not including escrows.

Trident Home Loans, LLC | NMLS 65716

VA IRRRL: No Cost Vs Loan versus Traditional Loan

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Senior Mortgage Loan Originator, Jonathan Kulak, NMLS 1403506, discusses how investment properties work in relation to the VA IRRRL.

Trident Home Loans, LLC | NMLS 65716

VA IRRRL: Investment Property

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Senior Mortgage Loan Originator, Jonathan Kulak, NMLS 1403506, discusses the different mortgage loan term options you can obtain with a VA IRRRL.

Trident Home Loans, LLC | NMLS 65716

VA IRRRL: Loan Term Options

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Senior Mortgage Loan Originator, Jonathan Kulak, NMLS 1403506, discusses how there is no catch when obtaining a VA IRRRL through Trident Home Loans, LLC.

Trident Home Loans, LLC | NMLS 65716

VA IRRRL: What's the Catch?

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Watch Senior Mortgage Loan Originator, Jonathan Kulak, NMLS 1403506, as he discusses what the VA Interest Rate Reduction Refinance Loan how the VA IRRRL Refinance Loan can benefit you!

The VA IRRRL, also known as the Interest Rate Reduction Refinance Loan, is a great option for veterans looking to refinance their current VA loan to a lower interest rate. This type of loan has several benefits, including more manageable monthly payments, no out-of-pocket closing costs, and the ability to use the loan to refinance up to 100% of the value of the home. If you're interested in learning more about the VA IRRRL program and whether it's right for you, consult with a qualified lender to discuss your options.
Visit Tridenthomeloans.com/irrrl for more information.

Trident Home Loans, LLC | NMLS 65716 | Equal Housing Lender 2023
All applications are subject to underwriting and credit guidelines and approval. Not all applicants will qualify for all loan products offered. All loan programs, terms, and interest rates are subject to change without notice. All fees subject to state and federal high-cost thresholds.

VA IRRRL: Introduction to the VA IRRRL Program

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Senior Mortgage Loan Originator, Jonathan Kulak, NMLS 1403506, discusses the interest rates in relation to the VA IRRRL.

Trident Home Loans, LLC | NMLS 65716

VA IRRRL: Interest Rates

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Senior Mortgage Loan Originator, Jonathan Kulak, NMLS 1403506, discusses how the Escrow Account works.

Trident Home Loans, LLC | NMLS 65716

VA IRRRL: Escrow Account

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Frequently Asked Questions

What is the difference between an IRRRL and a refinance?

An IRRRL is a type of refinance available to eligible veterans that requires minimum paperwork, and the process is much more streamlined than a regular refinance.

Does IRRRL have closing costs?

Yes: There are closing costs, such as the VA funding fee, which is .5% of the loan amount. These costs can be financed into the loan

What credit score do you need for a VA IRRRL?

660: You must meet the minimum credit score of 660 in order to qualify for a VA Streamline IRRRL at Trident Home Loans.

Is there an appraisal required for a VA IRRRL?

No appraisals or income verification are required for a Streamline.

Does Trident really offer the IRRRL streamline at no-cost?

Yes: We cover all of your 3rd party transaction fees with a lender credit.

Do I still need to pay escrow?

Yes: Your current escrow account will be refunded within 30 days. You can either finance the escrow or pay it with cash.

Can I get cash out with a streamline IRRRL?

Yes: You can get up to $500 with minimal paperwork or you can look into the VA cash-out refinance program instead with full doc

Tried & True

We base our success on the words of our clients. We value their opinions and appreciate their
feedback and referrals to their friends and family.

John P

This is the only choice you need to make when buying a home. They take care of you every step of the way. They are trustworthy and work hard for you and every single turn. On top of that, they will get you the best dang rates.

As a first time homeowner there was so much I didn’t know but I was lucky enough to get recommended to Jon and Team (Olivia and Shaundra did all the real work!).

End of story, go with Trident and Jon’s team.

Francis G

Thank you very much to Jonathan Kulak & Team at Trident Home Loan for the amazing support and dedication they provided throughout the entire process of purchasing my new home. Not only did they find a great rate but they care about the service they provide. Jon and Tyler both worked hard to overcome all hurdles that came with my situation. They were available anytime I needed to ask questions (and I had many) and made me feel comfortable by explaining the loan procedures throughout the entire process. The entire team was friendly, professional, and caring. I highly recommend Jon and his team if you are looking for a home loan.

Walter S

Jonathan Kulak and Olivia Allen were amazing. Very responsive and worked diligently to make our home purchase happen. They walked us through every step breaking everything down to include closing costs/numbers.

Even when on vacation, they took our calls, answered questions, and were available to assist. Overall very satisfied with this team and will utilize them again in the future. Thank you!