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.
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
VA IRRRL: Eligibility and Requirements
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)
Former AC-130 Pilot, Texas A&M ’05
- For any questions or concerns, Email:
- To speak with someone on our IRRRL specialist team, Call: 888-817-1267
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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.
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.
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!
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