VA Streamline (IRRRL) REFI 2025 Guide 📉 How Vets Lower Their Rate Fast

If you have a VA mortgage, the VA Streamline Refinance (IRRRL) could lower your interest rate, finance nearly all closing costs, and require no income documentation and no appraisal. In this video, I walk you through how it works, what you need to qualify, and—most importantly—how to calculate whether it’s financially worth it.

You’ll learn:
• How the VA Streamline / IRRRL works
• Qualifying rules (no income docs, no appraisal)
• How the VA’s Net Tangible Benefit test protects you
• Why some “too good to be true” offers fail the VA break-even rule
• How to calculate your break-even period
• When a no-cost IRRRL makes sense
• When to wait because rates may fall
• How to know if this refinance is right for you

As a Minnesota mortgage lender with over 30 years of experience, I’ll show you exactly what to look for so you can avoid predatory offers and make the smartest decision for your situation.

If you’d like me to calculate your savings and break-even period, just reach out or send over your mortgage statement anytime.

📱 Contact Peter Lindquist
📞 651-491-5381
✉️ [email protected]

📝 Apply now: https://www.rate.com/LindquistTeam

Eligibility requirements, assistance type, and assistance amounts vary based on program. Talk to your loan officer about what options may be available, as well as the specific borrower, property, and loan type restrictions or requirements that may apply. Not all programs are available in all areas.

Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.

Operating as Guaranteed Rate, Inc. in New York.
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