The VA Streamline Refinance, officially known as the Interest Rate Reduction Refinance Loan (IRRRL), helps homeowners with an existing VA loan refinance into a lower interest rate or better loan terms. It’s one of the simplest refinance options available—often requiring no appraisal, no income verification, and minimal paperwork.
While the program offers reduced documentation and no appraisal in most cases, closing costs still apply—and it’s important to know what you're paying for.
Understanding how refinance closing costs work can help you budget wisely, compare offers, and make sure your refinance truly pays off in the long run.
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