*No Soft or Hard Credit Pull Required To Check Eligibility
The VA Streamline Refinance offered by the Veterans Administration is the easiest, quickest, and most effective loan a Veteran can participate in.
Why?
Because the VA wants you to improve your financial situation wherever possible. Choosing not to take cash out or consolidate debt means they don’t want the appraisal or require a credit score. They want you to meet a requirement that will improve your position as a tangible net benefit. If you aren’t receiving a true benefit, this can deny the loan's closing.
This can be done by moving from an Adjustable Loan with a higher risk to a fixed-term loan. Or by reducing from a 30-year to a 15-year, meaning you intend to pay off your home and be debt-free sooner. Reducing your interest rate means reducing your monthly payment; these benefits are reasons you want to take action as soon as possible.
We Close in all 50 States, So Sign The Documents Where You Need them in 30 Days or Less.
Get your current escrow back.
No appraisal inspector is coming inside or outside your home.
No Income Verification
Very little paperwork.
NO Mortgage Insurance
580 or higher credit score? No problem, as long as you’ve had no 30-day late payments on your VA loan in the last 12 months.
Having honed our skills and careers on the most challenging VA Loans available, like Construction and Renovation programs, well… let’s say we work at warp speed on the VA IRRL.
As a direct banker, we underwrite these types of loans in-house, even Manufactured Home Loans, which many larger lenders won’t go up to the complete 100% allowed. This is why some of the largest VA Lenders across the country will refer clients to us every month; the goal is to provide you with a great fixed rate with 5-star level service!
One Top-Rated VA Mortgage Lender Will Help You During The Full Process, Not Multiple Parties.
A Streamline Refinance is meant to be a smooth process, not being passed off to many assistants. When we say we want to fight for your home as you fought for ours, we mean it, which is evident in our reviews from amazing clients like you.
We offer well-qualified veterans a competitive fixed rate, discussing every aspect of your loan options with complete transparency. If you have an offer we can’t beat, we will let you know quickly, but we would love a fair shot at earning your business now or in the future.
If you’re ready to start your Interest Rate Reduction Refinance Loan today, click the custom rate quote image above to check your eligibility.
Before moving forward, it's smart to run the numbers and see how much you could actually save. Our VA loan DTI calculator offers a quick, accurate look at your debt-to-income ratio, which plays a key role in your refinance eligibility. You can also use our VA Mortgage Calculator to estimate monthly payments and interest savings based on your current loan details. It's a great starting point for any veteran considering a streamlined refinance.
Richie, OK... so you've officially done something I've never seen in 22+ years selling real estate. Closed a VA Loan on 224 Acres, with a Manufactured Home. CONGRATULATIONS! and THANK YOU!!! Admittedly, I was skeptical (more like pessimistic) when James told me you were going to get this VA Loan completed. And I had many doubts along the way, because I'd seen so many VA Lenders fall flat on their faces, just before the Closing. BUT... You got the Job DONE! Occasionally, I find someone out there who has done an Outstanding Job, helping my Clients... and You are one of these! I'm now officially a FAN of You and Your Work. I would be honored to promote you and your services to other Agents within our company, and I intend to do so. I will call you when I've caught up on my work a bit... and learn more about how I can do my job better on the next VA transaction. ~Tom K. Realtor
We have over 25 years of working as a team helping current and future homeowners find the most competitive fixed-rate VA mortgage loans while navigating challenging economic instability. We promise never to spam you, sell your information, bombard you with robocalls, or provide anything but a clear, transparent conversation from start to close! It all begins here!
Aside from VA Home Loans, we offer so many options. From Construction to Bridge Loans, Down Payment Assistance Programs, and even specialty programs for doctors and first responders — each loan is as unique as the home it supports. If you're exploring a va manufactured home loan, we’ve got tailored options built for factory-built housing that most lenders simply don’t offer.
THE FEDERAL SAVINGS BANK IS NOT AFFILIATED WITH OR ACTING ON BEHALF OF THE FHA, USDA, VA, OR THE FEDERAL GOVERNMENT.
*Subject to credit approval. Terms and conditions may apply. Property insurance is required on all loans secured by property.
*No SSN required. No credit pull. No risk. The info you share on this eligibility form is only used to check general eligibility against our banks loan programs — based on what you tell us. We never pull your credit (not even a soft pull), and we don’t ask for sensitive data like your Social Security number at this stage. Your information is never sold. If you decide to move forward, your banker will walk you through next steps and confirm before running any credit check. Until then, it’s 100% no-pressure, no-obligation.
*Messaging and Data Rates May Apply.
*VA eligibility is required for VA loan products. USDA loans are only available in USDA-eligible areas as designated by the USDA.
*We do not offer new dealer-manufactured home loans in New York, but we do offer modular and site-built land and home construction.
*Qualification for up to $50,000 extra is for qualified borrowers and can be applied to all loan programs. This is a separate unsecured consumer loan we will underwrite in-house at the same time as your requested mortgage loan. Please contact your banker to request this program and the applicable rates, terms, and conditions. Consumer unsecured lending programs prohibit loan proceeds from being used for down payment.
REALTOR® is a registered trademark of the National Association of Realtors and is not affiliated with NationwideHomeLoansGroup.com or The Federal Savings Bank.
†Subject to applicable law and lender approval, when represented by one of our participating real estate brokerage companies during the purchase or sale of a home or land, eligible Consumers may receive a rebate of up to thirty percent (30%) off of the fee to be received by the participating real estate brokerage company representing the respective Consumer, at closing, which rebate will be applied exclusively toward paying down that Consumer’s applicable closing costs. In no event shall any rebate be greater than the aggregate of all closing costs. Issuance of a rebate is subject to a participating real estate brokerage company’s receipt of its fee. The following states condition, or do not permit, the granting of a rebate by real estate brokerage companies (list is subject to change at any time): Alaska, Iowa, Kansas, Louisiana, Mississippi, Missouri, New Jersey, Oklahoma, Oregon, and Tennessee. No remuneration is paid to The Federal Savings Bank or to any of our Bankers. This is a free program offered exclusively by us to help our consumers save on their real estate transactions.
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