If you're a veteran with a VA mortgage above 6.5% and your mortgage payments are caught up, you may qualify for an IRRRL refi. We work with niche VA-approved lenders that follow the VA's actual rules — not retail-bank overlays. Past late payments? Often fine.
The big banks said no. We're built for vets they turned away.
Most retail banks add "overlays" on top of VA rules. We don't.
An IRRRL can lower it without redoing the whole loan from scratch.
Most lenders auto-decline. We work with niche VA-approved lenders that don't.
"You served. The VA wrote the rules to help you. Most LOs don't know the rules — I do."
— Tim Popp, NMLS #2039627
The Interest Rate Reduction Refinance Loan (IRRRL) is the VA's "easy button" for veterans.
| Big Bank Refi | IRRRL with Tim | |
|---|---|---|
| Full credit pull | ✗ Required | ✓ Mortgage-only OK |
| Income verification | ✗ Required | ✓ Not required |
| Appraisal | ✗ Required ($600+) | ✓ Not required |
| Recent mortgage late | ✗ Auto-decline | ✓ Often OK if current |
| Closing time | 45-60 days | ✓ As little as 21-30 days |
Real-world example for a $350,000 VA loan. Your actual numbers vary.
Example only. Actual rate depends on market conditions, lender, and individual eligibility. Not a commitment to lend.
10 quick questions. Less than 60 seconds. No credit hit.
Helps us confirm IRRRL eligibility.
Thank you for your service.
Best guess is fine — we'll verify together.
Ballpark is fine — we'll get the exact number later.
Just principal + interest is fine. Don't include taxes/insurance if you can.
This is the only payment-history rule that matters for an IRRRL.
💡 You don't need a perfect payment history. You just need your mortgage to be paid up to date right now. Past lates that have since been paid? Often fine.
For an IRRRL, FICO score is often not the main factor — we pull mortgage-only credit for most files. This just helps Tim match you with the best-fit lender.
Veterans with a service-connected disability rating are exempt (saves ~0.5% of the loan at closing).
Confirms Tim is licensed in your state.
So Tim knows who to thank for serving 🎖
Tim will personally call or text within a few hours (never before 9am or after 8pm your time).
🔒 Your info goes only to Tim. We never sell leads or share data with third parties.
Tim will personally review your info and reach out within a few hours with your custom IRRRL rate comparison.
In the meantime, want to lock in a 15-minute call with Tim?
Book a Call with Tim →Real reviews from veterans Tim helped close.
"Two other lenders turned me down because of a late from 2023. Tim got me approved and saved me $290/month."
🎖 Army Veteran · Texas
"Closed in 24 days. No appraisal, no income docs, no headache. Wish I'd found Tim sooner."
⚓ Navy Veteran · Florida
"USAA said no because of my credit. Tim found a lender that said yes and dropped my rate by 1.5 points."
🪖 Marine Veteran · California
60-second check. No commitment. No credit hit.
Start My Check →Or call Tim direct: 949-379-1191
✓ Mortgage-Only Soft Pull ✓ Your Info Stays Here