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VA IRRRL Streamline Refinance | No Credit Score Required

VA IRRRL Specialists

We Make Refinancing Easy

Let's Get Started!

VA Streamline Refinance (IRRRL) Program

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

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.

Peoples Bank & Trust Company

  • Toll Free: (800) 697-4371
  • MPO NMLS#: 457569
  • PB&T NMLS#: 257781

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.

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:

  1. 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.
  2. 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.
house with coin in front

No Down Payment!

There is no down payment on most home purchase!

  • Benefits
  • iconAvoid Needing Large Payment
  • iconUse Your Money For Other Things
GET PRE-QUALIFIED
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Closing Costs

Some Veterans are eligible for limited closing costs

  • Benefits
  • iconSmaller Loan
  • icon Lower Payments
GET PRE-QUALIFIED
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No PMI

Avoid paying private mortgage insurance

  • Benefits
  • iconHassle Free Funding 
  • iconGet Your Dream House
GET PRE-QUALIFIED

What People Are Saying About Us

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