Lower your VA mortgage payment
Whether you’re lowering your rate and payment with a VA IRRRL or tapping your equity with a VA cash‑out refi, Revix’s exclusive wholesale partnerships and technology surface the best VA option in seconds.
VA Refinance Rates
Join the movement. Revix secures pricing you won’t find through retail channels by making multiple lenders compete for your specific loan scenario behind the scenes. Our technology automatically selects the best execution, delivering one clear offer in seconds, no endless shopping or sales pressure.
Not sure where to start?
Answer quick questions and we’ll point you to the best fit
Do you want any cash back from your equity?
Is your current loan a VA loan, and has it been open at least 210 days with 6 payments made?
Are you removing a borrower or will your monthly payment increase a lot?
VA refinance options
What it is
A streamlined VA‑to‑VA refinance designed to reduce your interest rate, payment, or move from an ARM to a fixed rate. No cash out allowed.
You may qualify if
- Your current loan is a VA loan and you have made the required seasoning payments.
- You meet net tangible benefit rules.
- You do not need cash back at closing.
What it is
A full credit‑qualifying VA refinance with an appraisal. Use it to access cash from your equity.
You may qualify if
- You will occupy the home as your primary residence.
- You have sufficient equity and meet seasoning rules.
How the process works
01
Get a free rate quote
Answer a few quick questions and see the VA refinance options that best fit your goals.
02
Lock in your rate
Compare scenarios, ask questions along the way, then lock your rate when you are ready to proceed.
03
Close as fast as 12 days
We move fast so you don't miss out. Our process is one of the fastest in the industry.
Lower costs. Clear choices. Friendly guidance.
We use efficient technology and a lean process to keep costs low, then help you choose the FHA path that fits your goals.
What sets us apart
Lower costs through smart tech and workflow
Licensed specialists who keep it simple and direct
Fast FHA timelines for Streamline, Rate and Term, and Cash-Out
No hard sell — you stay in control
Frequently asked questions
How quickly can I close a VA IRRRL?
Most VA IRRRLs finish in 12–14 days when you e-sign quickly and provide your current mortgage statement and insurance info right away. IRRRLs generally do not require an appraisal, which helps speed things up.
Can I do an IRRRL if my current loan is not VA?
No. IRRRL is only for VA‑to‑VA refinances. If your current loan is conventional, FHA, or another type, we review a VA cash‑out refinance to pay off the old loan. Cash back is optional — you can take $0 cash out if you prefer.
Do VA loans have monthly mortgage insurance?
No. VA loans do not charge monthly mortgage insurance. Most VA loans include a one‑time funding fee unless you have a qualifying exemption.
Will my funding fee be different on IRRRL vs. Cash‑Out?
Yes. IRRRL carries a reduced funding fee compared with VA Cash‑Out. Exemptions may apply for eligible disabled veterans.