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VA Payment Reduction Program

The VA Streamline, also referred to as the Interest Rate Reduction Refinance Loan (VA IRRRL), is a unique VA refinance program that allows you to reduce your current VA mortgage interest rate and payment with no closing costs.

What’s unique about this VA refinance program is it's a simple way to lower your interest rate and experience considerable short-term and long-term savings.


  • No Income Documentation
  • No Appraisal Required
  • No Closing Costs
  • Alliance Home Loans may cover your VA funding Fee!
  • Additional $1,275 in savings on loan origination fees with Alliance Home Loans*

*Alliance Home Loans' typical lender fees of $1,275 for loan origination and processing are not charged on VA loans. Must be a VA Loan and not eligible on any other loan types.


  • Your current loan must be categorized as a VA mortgage in order for you to qualify
  • Credit score of 500 or above are eligible
  • You cannot have a past mortgage payment that’s been more than 30 days late within the past year (12 months)

Even if you don’t fit these requirements, you can still get in touch with us to see if you are eligible for any of our other refinance programs.  We are fully committed to doing everything possible to see to it that you have the home you want and the perfect mortgage to go with it. 

Find out if refinancing is right for you with our mortgage check up calculator.

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