Interest Rate Reduction Program

    VA Streamline
    Program

    The VA IRRRL, also known as a VA Streamline, is designed exclusively for veterans with existing VA-backed homes to reduce their interest rate or convert from an adjustable-rate to a fixed-rate with minimal paperwork and hassle.

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    Key Program Features

    • No appraisal required in most cases
    • No income verification or credit check (non-credit qualifying)
    • No out-of-pocket costs — closing costs can be included
    • Low funding fee: 0.5% (waived for veterans with service-connected disabilities)
    • No PMI required
    • Can close in as few as 30 days

    Eligibility Requirements

    • Must have an existing VA-backed home
    • Must wait at least 210 days from first payment date (seasoning requirement)
    • Must have made at least 6 consecutive monthly payments
    • No more than one 30-day late payment in the past 12 months
    • New terms must provide a net tangible benefit (lower payment)
    • Property must be your primary residence

    Simple Process

    How It Works

    1. Step 1: Check Eligibility

      Takes 2–3 minutes. No credit impact to check eligibility. Secure & confidential.

    2. Step 2: Leland Reviews

      We review your current situation and identify your potential savings and options.

    3. Step 3: Close Fast

      With minimal paperwork and no appraisal in most cases, you could close in 30 days.

    Ready to Lower Your VA Payment?

    Takes 2–3 minutes. No credit impact. Secure & confidential.

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