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
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Contact Us
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)
Former AC-130 Pilot, Texas A&M ’05
- For any questions or concerns, Email:
[email protected] - To speak with someone on our IRRRL specialist team, Call: 888-817-1267
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