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    • San Ramon, CA

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    1. Read
    2. Q&A
    3. Do you offer VA loans, IRRRL refinances, or other streamline

    Do you offer VA loans, IRRRL refinances, or other streamline programs?

    Answered
    ·Aug 3, 2026·0

    1 answer

    • ZBZach Brown · Senior Mortgage Loan Officer/CEO·Aug 3, 2026·0
      Best answer

      Yes to all three. VA purchase loans allow eligible veterans and service members to buy with no down payment and no monthly mortgage insurance. The VA IRRRL (Interest Rate Reduction Refinance Loan) lets existing VA borrowers refinance without a new appraisal or full income documentation in most cases. FHA has its own streamline refinance with similar reduced documentation. Working as a wholesale broker matters on VA files specifically, because I'm not locked into one lender's VA overlays, which is the layer of extra requirements individual lenders add on top of the VA's own guidelines.