VA Streamline Refinance:
Easy, Fast, and Hassle-Free

Date Updated: December 19, 2025

Lower Your VA Rate Today - Easy & Fast

VA 30-Year Fixed Rate

5.125% (5.4% APR)

VA 15-Year Fixed Rate

4.50% (4.8% APR)

Why Choose a VA Streamline Refinance?

No employment verification needed
No income documentation needed
No appraisal needed
No upfront costs
Available to those with low to fair credit

Get your lowest VA refi rate HERE

How are the VA Streamline Refinance Rates?

*Scenario: loan amount of $400,000-660 FICO-95%LTV- SFR-CA.

Thanks to the backing of Dept. of Veterans Affairs they enable lenders offer lower interest rates versus traditional mortgage.
Rates vary based on loan size, credit score, home value and property type.

Get your lowest VA refi rate HERE

How does the VA Streamline work?

Already have a VA home loan? You’re eligible.
Skip the paperwork — No W-2s, pay stubs, or tax returns.
Skip the appraisal — Save time and money.
Apply directly— Easy access to VA-backed low rates

Get your lowest VA refi rate HERE

VA Streamline Pros & Cons Snapshot

Pros

No income documentation required
No employment verification required
No appraisal required
No out-of-pocket costs
FICO score can be lower than a 620
$6,000 cash back for energy-efficiency improvements

Cons

Current loan must be a VA home loan
No cash-out over $500
New loan must have a lower rate or shorter term
Waiting Period of 210
Funding fee of 0.5% is added to the loan amount unless VA has 10% or more disability rating

Get your lowest VA refi rate HERE

How to qualify for a VA Streamline Refinance

To be eligible for a VA Streamline Refinance:

You must currently have a VA home loan
Zero 30-day late payment in the past six months
Only One 30-day late payment in the past 12 months
The property is still owner-occupied
The refinance must reduce your rate or shorten the term, or converting an ARM to a Fixed-Term.
The existing VA loan must have been open for at least 210 days (7 months)

It’s a great time to talk to a VA loan specialist when you’ve made at least 6 payments.

Contributed by: Victor Santos NMLS#888844 Onpoint Mortgage Pro NMLS #2134550

Victor Santos is a licensed mortgage loan officer with over 20 years of experience. He has spent many years assisting homeowners and home-seekers in obtaining the optimal solutions for their mortgage needs.