What is the VA IRRRL Program?

Enjoy the potential for a more efficient closing process when you refinance your VA mortgage loan through the Veterans Affairs Interest Rate Reduction Refinance Loan (VA IRRRL) program.

Have a VA-insured mortgage? You may qualify to refinance.

The Veterans Affairs Interest Rate Reduction Refinance Loan (VA IRRRL) program was created to help timely paying borrowers refinance their existing VA-insured mortgages to lower their monthly principal and interest payment.


An existing VA-insured mortgage is required to take advantage of the VA IRRRL program. You may be eligible even if you owe more than your home is worth.

Learn More About VA IRRRL Eligibility Guidelines >


Speak to an M&T Mortgage Loan Officer (Monday-Friday 8:30am-9:00pm ET and Saturday 10:00am-2:00pm ET) to learn more about the benefits of refinancing your VA mortgage and how you may qualify.

All lending products are subject to credit and property approval. This is not a commitment to make a mortgage loan. Products are not available in all states. Certain conditions and restrictions apply. Refinancing to reduce total monthly payments may lengthen repayment term or increase total interest expense compared with your current situation. NMLS #381076.