VA Streamline Refinance (IRRRL) Program

Limited Time Offer: Now through September 1, 2024!

Do you currently have a VA home loan with a rate over 6%? If so, this is your chance to refinance!.

At Peoples Bank & Trust, we have been serving veterans since 2010 and we deeply appreciate the service of our veterans and aim to help you save as much as possible on your home loan. That’s why we proudly offer one of the best VA Streamline Refinance programs in the country.

No Minimum Credit Score!

Unlike many banks requiring a 640 minimum credit score, our VA Streamline Refinance program has NO MINIMUM CREDIT SCORE REQUIREMENT. If other lenders have turned you down, reach out to us today!

The VA Interest Rate Reduction Refinance Loan (IRRRL) is a government-backed mortgage designed for active duty and prior service veterans with an existing VA loan. It offers a fast, simple, and hassle-free way to refinance to a lower rate, allowing you to save money. We also offer VA home loan products for purchasing with $0 down or taking cash out.

For more details on VA Home Loan options, click here.

Benefits of Our VA Streamline IRRRL

No credit score required
No appraisal needed
No out-of-pocket expenses
No income or asset verification
Lower interest rate and monthly payment

Additional Advantages of VA Loans

Zero down payment
Limited closing costs
No private mortgage insurance (PMI)
No early payoff penalties

Don’t miss out on this limited-time offer! Contact Peoples Bank & Trust today to start your refinancing journey and secure your financial future.

Get Started!

Request a Consultation with a VA Loan Specialist.

The VA Home Loan program offers incredible benefits.

You may qualify for some or all of these benefits below if you do serve or have served in the armed forces. Find out if you qualify!

Get Started!

~ or call ~

(800) 697-4371

VA Streamline Refinance (IRRRL) Program

Why Choose a No Appraisal VA Streamline Loan?

It's straightforward - no appraisal required, no out-of-pocket expenses, lower payments, and the ability to defer two mortgage payments. Plus, there’s no minimum credit score requirement for our VA IRRRL Streamline Refinance.

Why Do Thousands of Veterans Benefit from VA Home Loans Every Month?

Simply put, VA home loans offer the best overall deal for 100% financing. Let us help you lower your monthly payment, reduce your interest rate, and even purchase a home with $0 down.

Purchase with No Money Down

VA Home Loans are one of the only loan programs that still allow borrowers to finance 100% of the home's value, meaning you can purchase with no money down. Today, many banks require large down payments for conventional loans—often as much as 20%—making homeownership unattainable for many prospective buyers.

Lower Your Monthly Payment with Your VA Benefit

At Peoples Bank & Trust Company, we offer two key benefits that can significantly lower your monthly payment:

No PMI (Private Mortgage Insurance): Unlike conventional loans, VA loans do not require PMI, which is an added monthly expense for borrowers who finance more than 80% of the home's value.
Lower Interest Rates: VA loans typically offer interest rates that are 0.5% to 1.0% lower than conventional loans. This lower rate, combined with the savings from not having to pay PMI, can substantially reduce your monthly payment.

What People Are Saying About Us

I am extremely pleased with the mortgage services provided by Peoples Bank & Trust Company. The team was highly professional, knowledgeable, and efficient throughout the process. They made the entire experience smooth and hassle-free. I highly recommend their services.

Joeseph B.

I had a great experience working with Michael & Peoples Bank & Trust Company. They were responsive, knowledgeable, and made the entire process smooth and stress-free. I highly recommend them to anyone looking to buy or refinance a home.

Benjamin G.

Thanks to my Michael's dedication and commitment, I was able to successfully close on my dream home. I highly recommend Peoples Bank & Trust Company to anyone seeking a reliable and trustworthy mortgage partner. Their professionalism, expertise, and exceptional customer service truly set them apart in the industry.

Mary M.

The communication from my Peoples Bank & Trust Company was prompt and transparent. He kept me informed of every milestone and ensured that I was well-informed about the progress of my loan application. I felt supported and confident in their abilities to navigate the complexities of the mortgage process. Great job!

Scott E.

Mr. Parker guided me step by step, explaining all the necessary information and answering all my questions with patience and clarity. He took the time to understand my financial goals and tailored a mortgage solution that best suited my needs. I'm very pleased with Peoples Bank & Trust Company!

Tim O.

I couldn't be happier with my mortgage experience. Michael was professional, knowledgeable, and provided excellent customer service. The team at Peoples Bank & Trust Company made the process smooth and hassle-free. Highly recommended!

Jim C.

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Peoples Bank & Trust Company... Serving Veterans since 2010

VA Streamline Refinance (IRRRL) Program

Limited Time Offer: Now through September 1, 2024!

No Minimum Credit Score!

Benefits of Our VA Streamline IRRRL

Additional Advantages of VA Loans

Request a Consultation with a VA Loan Specialist.

Peoples Bank & Trust Company

The VA Home Loan program offers incredible benefits.

VA Streamline Refinance (IRRRL) Program

Why Choose a No Appraisal VA Streamline Loan?

Why Do Thousands of Veterans Benefit from VA Home Loans Every Month?

Purchase with No Money Down

Lower Your Monthly Payment with Your VA Benefit

No Down Payment!

Closing Costs

No PMI

What People Are Saying About Us

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FHA Streamline Refinance Loans: Start saving money every month

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