IRRRL Streamline Refinance: Everything Veterans Need to Know in 2026
The Interest Rate Reduction Refinance Loan (IRRRL) is the fastest way to lower your VA mortgage payment. Here's your complete guide with current rates and tips.
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Everything you need to make smart financial decisions β from VA loan education to disability benefits and retirement planning.
Understand the benefits of VA home loans, IRRRL streamline refinancing, and how to leverage your military service for homeownership.
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Your VA loan entitlement is a lifetime benefit. Use it for your primary residence with 0% down, no PMI, and competitive rates. The IRRRL program makes refinancing even easier with minimal paperwork.
Before investing or paying extra on debt, save 3-6 months of expenses. Military transition often brings unexpected costs. Use a high-yield savings account to earn while your money sits ready.
If you contributed to the Thrift Savings Plan during service, consolidate or let it grow. The L Funds offer great lifecycle targeting, and fees are among the lowest in the industry at roughly 0.04%.
VA disability compensation is tax-free income. Document all service-connected conditions before separation. Even a 10% rating qualifies you for healthcare, property tax exemptions, and more.
The Post-9/11 GI Bill covers tuition, housing allowance, and books. Consider transferring unused benefits to dependents before separation. Yellow Ribbon programs can extend your coverage further.
Be wary of lenders offering "too good to be true" deals targeting veterans. Check credentials on the VA's lender list, compare at least 3 quotes, and never pay upfront fees before closing.
The Servicemembers Civil Relief Act caps interest rates at 6% on pre-service debt, provides lease termination rights, and protects against foreclosure. These protections can save thousands annually.
Start planning 12-18 months before separation. Use the DoD SkillBridge program for civilian internships while still receiving military pay. Network through veteran organizations like VETTED Foundation.
A straightforward guide to navigating the VA disability claims process and maximizing the benefits you've earned through your service.
Collect service medical records, VA medical records, buddy letters from fellow service members, and any private medical evidence supporting your claim.
Submit a claim online at VA.gov, through a VSO (Veterans Service Organization), or in person at your regional VA office. Use Form 21-526EZ for disability benefits.
The VA will schedule a Compensation & Pension exam to evaluate your conditions. Be honest and thorough β describe your worst days, not your best.
Review your rating decision letter. If denied or under-rated, you can file a Supplemental Claim, Higher-Level Review, or Board Appeal within one year.
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The Interest Rate Reduction Refinance Loan (IRRRL) is the fastest way to lower your VA mortgage payment. Here's your complete guide with current rates and tips.
Read Article βFiling a VA disability claim doesn't have to be confusing. Avoid these common pitfalls that cost veterans precious rating points and delay benefits.
Read Article βYour Thrift Savings Plan doesn't end when your service does. Learn the best strategies for rolling over, consolidating, or letting your TSP grow.
Read Article βCurated links to trusted government programs, veteran organizations, and benefit resources you've earned through your service.
Access VA healthcare enrollment, mental health services, the Veterans Crisis Line, and vet center locations nationwide.
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VA home loan information, housing grants for disabled veterans, and homeless veteran assistance programs.
SGLI/VGLI conversion, VA life insurance programs, burial benefits, and survivor benefits for families.
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