VA IRRRL STREAMLINE LOANS

Peoples Bank & Trust Company...
Your Charleston home base for all things home.

Charleston VA Streamline Loans

The VA Interest Rate Reduction Refinance Loan (IRRRL), also referred to as a VA Streamline Refinance, is a specialized refinancing program designed for active-duty military or veterans with an existing VA home loan. It allows our military members to reduce their interest rate and monthly payments by refinancing with minimal documentation and no out-of-pocket costs.

What Are the Benefits of a VA IRRRL Loan with Peoples Bank & Trust?

      • No Appraisal Required
      • No Income Verification
      • No Asset Verification
      • No Money Out-of-Pocket
      • No Minimum Credit Score Required
      • No Application Fees
      • Fast Closings
      • Low Wholesale Interest Rates

      What Do I Need to Be Eligible for a VA IRRRL Loan?

      • You must currently have a VA loan. 
      • You must lower your interest rate by a minimum of 0.50% (unless moving from an ARM to a fixed rate loan)
      • You must be able to recoup any costs associated with the refinance in 36 months or less.  (We calculate this for you up front)
      • You must be current on your loan payments and have no more than (2) mortgage lates in the previous 12 months.

      Peoples Bank & Trust Company is dedicated to serving our active military personnel and veterans. We are committed to simplifying the process of obtaining a VA home loan and making the entire process as easy as possible.

      A VA streamline refinance loan may provide you with lower interest rates and a more affordable monthly mortgage payment. We encourage you to call Peoples Bank & Trust Company today and speak with one of our loan officers about your options.

      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

      What People Are Saying About Us

      Recent Mortgage Articles

      What is a VA Jumbo Loan?

      What is a VA Jumbo Loan?

      For veterans, active-duty service members, and eligible surviving spouses, the dream of homeownership is often supported by the benefits of a VA loan. Backed by the U.S. Department of Veterans Affairs…

      Save with a VA Home Loan Refinance – Lower Your Rate or Get Cash Out

      Save with a VA Home Loan Refinance – Lower Your Rate or Get Cash Out

      For veterans, active-duty service members, and eligible surviving spouses, a VA home loan refinance provides a pathway to lower mortgage payments and/or access to your home’s equity. Backed by the Department…

      VA Streamline Loans: Simplify Your Refinance with Peoples Bank & Trust Co.

      VA Streamline Loans: Simplify Your Refinance with Peoples Bank & Trust Co.

      For veterans, active-duty service members, and eligible surviving spouses, a VA Streamline Loan, also known as an Interest Rate Reduction Refinance Loan (IRRRL), offers a hassle-free way to lower your…

      Why Peoples Bank & Trust Co. is Your Trusted Partner for VA Loans

      Why Peoples Bank & Trust Co. is Your Trusted Partner for VA Loans

      At Peoples Bank & Trust Co., we’re dedicated to helping veterans, active-duty service members, and eligible surviving spouses achieve their homeownership dreams through VA loans. Backed by the U.S. Department…

      call contact