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  • EXPERIENCE MATTERS: With over 50-years combined lending experience, Joe and Eric Metzler are your VA home loan experts.
  • Understanding the VA Streamline Refinance Loan

    VA Streamline Refinance with Cambria Mortgage – Slash Your Rate, Stress Less!

    Ready to refinance your VA home loan? At Cambria Mortgage (VAMortgageMN.com), we make the VA Streamline Refinance Loan—aka the IRRRL (Interest Rate Reduction Refinance Loan)—a breeze for homeowners in Colorado, Florida, and the midwest states of Minnesota, Wisconsin, Iowa, South Dakota, and North Dakota. This is hands-down one of the simplest, most exciting ways to save on your mortgage!
     

    Why Choose a VA Streamline Refinance with Cambria Mortgage?

    If you’ve got a VA loan, we can help you:
    • Lower your interest rate for smaller monthly payments.
    • Switch from an adjustable-rate mortgage to a secure fixed-rate loan.
    • Refinance fast with minimal paperwork.
    • Skip the appraisal in most cases—saving you $400-$600!

    The VA IRRRL Advantage

    • Save big: Reduce your monthly payments with ease.

    • Low or no out-of-pocket costs: Keep more money in your pocket.
    • No mortgage insurance: Just like your current VA loan.
    • Hassle-free process: Less stress, more savings.
    Ready to refinance? Cambria Mortgage is your trusted VA loan expert. Apply online right here at VAMortgageMN.com or call us today to lock in a lower rate and simplify your mortgage—because saving money should feel this good!
  • To Qualify for a VA IRRRL Loan

    There are a few requirements to qualify for this streamline refinance loan.

    • It must be more than 210 days since the first payment was due on your current VA loan
    • You must be lowering your interest rate, or switching from an adjustable to a fix rate loan
    • The break even time for recovery of the new loans closing costs must be less than 36 months.

     

  • Reduced Loan Documentation Requirements

    The VA streamline refinance is just as it's name implies... It is streamlined, meaning reduced documentation requirements.

    Typical documents for getting a home loan generally don't apply:

    • No income documents
    • No appraisal