VA Refinance Loans

LOAN OPTIONS

VA Refinance Loans

Aerial view of a neighborhood
Aerial view of a neighborhood

LOAN OPTIONS

VA Refinance Loans

Get VA Refinancing

VA Loan Refinancing

With a VA loan, you are not outside of the realm of being able to refinance to see if you can get a better rate, or even to cash-out on equity. For eligible VA loan borrowers, there may be specific options just for you to be able to refinance your loans:

VA Cash-Out Refinance

Access up to 90% of your home's value, utilize the extra funds for home enhancements or consolidating debt.

VA Interest Rate Reduction Refinance Loan (VA IRRRL)

Reduce your rate without the hassle of income documentation or an appraisal.

Who a VA IRRRL Is For:

  • Qualified veterans and service personnel with a VA loan
  • Qualified VA loan owners who want to reduce their interest rate or switch from an adjustable rate to fixed rate
  • Qualified borrowers who want to refinance without an appraisal or credit underwriting (IRRRL only)
  • Qualified VA homeowners who want a streamlined refinance with no money out-of-pocket
  • Eligible borrowers who want to tap into their home equity

VA Cash-Out Refinance

Access up to 90% of your home's value, utilize the extra funds for home enhancements or consolidating debt.

VA Interest Rate Reduction Refinance Loan (VA IRRRL)

Reduce your rate without the hassle of income documentation or an appraisal.

Who a VA IRRRL Is For:

  • Qualified veterans and service personnel with a VA loan
  • Qualified VA loan owners who want to reduce their interest rate or switch from an adjustable rate to fixed rate
  • Qualified borrowers who want to refinance without an appraisal or credit underwriting (IRRRL only)
  • Qualified VA homeowners who want a streamlined refinance with no money out-of-pocket
  • Eligible borrowers who want to tap into their home equity

Locate a Mortgage Loan Officer near you.

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Other VA-permissible fees may still occur. Programs, rates, terms and conditions are subject to change without notice. Credit and collateral are subject to approval.  VA loans require a non-refundable VA funding fee at closing. Maximum VA loan amounts vary by county. United Bank, LLC is not endorsed by, or affiliated with any government agency or program.

United Bank is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Reserve, Federal Reserve Consumer Help, PO Box 1200, Minneapolis, MN 55480.
This is not a commitment to lend. Mortgage products and services are offered through United Bank. All loan applications are subject to credit and property approval and must meet loan program requirements to qualify. Annual Percentage Rate (APR), programs, rates, fees, closing costs, terms and conditions are subject to change without notice and may vary depending upon credit history and transaction specifics. Other closing costs may be necessary. Flood and/or property hazard insurance may be required.  Speak with a Mortgage Loan Officer for more specific information.
United Bank and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.