Programs
VA IRRRL

VA IRRRL

Min. FICO 580
Up to 110% CLTV

Program Overview:

A fast-track streamline refinance designed to lower interest rates with minimal documentation.

Broker Advantage:

  • Lightning Fast: No appraisal, income verification, or asset checks.
  • Zero Out-of-Pocket: Costs can often be rolled into the loan.
  • Record Time Refi: Lower rates in as little as 14 days with zero assets or income required.

Highlights:

  • LTV: No LTV limit; based on existing VA balance plus costs.
  • FICO: Focus on Net Tangible Benefit rather than a specific score.
  • Ratios: No DTI calculation required.

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DSCR FAQ

What is a VA IRRRL?

A streamlined refinance for existing VA loans.

Is an appraisal required?

Typically no.

Is income documentation required?

Limited documentation required.

Is a down payment required?

No.

Who is eligible?

Existing VA borrowers.

Exlpore more VA IRRRL Loan Programs

VA Standard

Min. FICO 580
Up to 100% CLTV
  • Zero Down: 100% financing for purchases.
  • Monthly Savings: Save hundreds with No Monthly PMI.
  • True 100% Financing: No down payment and no loan limits for Veterans with full entitlement.

FHA Standard

Min. FICO 580
Up to 97.75% CLTV
  • FICO: Minimum 580 for max financing.
  • LTV (Purchase): Industry-standard 96.5%.
  • Ratios: Often exceeds 55% DTI with compensating factors.

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1(833) 553-0505
21800 Burbank Blvd Suite
#100, Woodland Hills, CA 91367
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Legions Capital, Inc. is an Equal Housing Lender. NMLS ID #1553947. 21800 Burbank Boulevard, Suite 100, Woodland Hills, CA 91367. 818-818-483-4542. State Licensing: Legions Capital, Inc. is licensed by: AZ #BK-2008712 “Arizona Mortgage Banker License”; CA #60DBO-64540 “Licensed by the Department of Financial Protection and Innovation under the California Financing Law”; CO “Mortgage Company Registration”; CT #ML-1553947 “Mortgage Lender License”; FL #MLD2349 "Mortgage Lender Servicer License"; GA #1553947 “Mortgage Lender License/Registration”; MI #FL0026913 “1st Mortgage Broker/Lender Registrar”; OR #1553947 “Mortgage Lending License”; PA #116958 "Mortgage Lender License"; SC-BFI #MLS-1553947 “Mortgage Lender/Servicer License”; TN #1553947 ”Mortgage License”; TX-SML “Mortgage Banker Registration”; WA #CL-1553947 “Washington Consumer Loan Company License”; WI #1553947BR “Mortgage Banker License”. Verify our licenses at: www.nmlsconsumeraccess.org. Texas Consumers: Click here to view the Texas Consumer Complaint & Recovery Fund Notice. Availability: Loan approval and rates are dependent upon applicant’s credit, collateral, financial history, and program availability at time of origination. Programs and rates are subject to change without notice and may or may not be available at the time of loan commitment or lock-in.
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