You Served.
Now Let Your VA Benefit
Work For You.
Use our free VA IRRRL calculator to see your estimated monthly savings in under 60 seconds. No credit check required.
31 veterans checked their savings today — VA rates remain at historically favorable levels
Your Current VA Loan
Enter a few details to calculate your potential monthly savings.
Used to estimate your remaining loan term.
This is not an official loan quote. For an official quote, apply below.
"Devin Kolesar and his team are incredible — I've never had a less stressful mortgage experience. I was originally in process with my credit union who had offered me the best interest rate with the lowest costs. I was skeptical, but gave Devin a chance to beat their offer… I definitely made the right choice. He got me an interest rate .25% lower, and it cost me LESS. I'd give Shop Home Loans 10 stars if I could."
"Devin was beyond amazing!! He gave me a great deal that seemed too good to be true!! I just signed my final closing papers and I am so thankful for him and his hard work. He kept me informed and answered all my questions throughout the process. He is so nice and was great to work with!! Will definitely recommend him to anyone buying or refinancing. 10/10 stars!"
"I was amazed at how easy and fast Devin Kolesar and his team made the entire process. I had received calls from tons of companies but none of their offers came close to what Devin was able to make happen. Much appreciated Devin."
"With such low interest rates, we recently decided to refinance our house. Devin was our loan officer and he honestly could not have made the process easier for us. He was very thorough and made sure we were always in the loop. I would highly recommend working with Handshake Home Loans, and more specifically, working with Devin!"
"I had a smooth and easy refinance with Devin. He was very knowledgeable about what is offered and was able to get me the rate and term that suited my needs. He worked with my son on his refinance and we were thrilled with the results!"
"My experience with Devin was absolutely fantastic. He was very helpful and took the time to thoroughly look over my situation to get the best refinance possible. I have zero complaints and would recommend them to anyone! 10 out of 10!"
Your Earned Benefit
The VA IRRRL is exclusive to veterans and active-duty service members with an existing VA loan.
No Appraisal Required
No home appraisal or income verification needed — the VA streamlines the process for those who served.
Close in 2–3 Weeks
Reduced documentation and no appraisal means most veterans close in under 21 days.
VA Rates Are Still at Favorable Levels for Veterans
Many veterans are locking in lower rates now. Even a 0.5% reduction can save tens of thousands over the life of your loan — a benefit you've earned.
Simple. Fast. You've Earned It.
Three steps stand between you and a lower monthly payment.
Check Your Estimated Savings
Use the calculator above to see your personalized VA savings estimate in under 60 seconds.
Complete a Quick Application
A short application locks your place in line. No credit check until you're ready to move forward.
Lock Your Lower Payment
Once approved, close in as little as 2–3 weeks and start saving immediately.
Ready to Claim Your Veteran Savings?
Our VA-approved loan specialists will find you the best available rate in minutes.
Common VA IRRRL Questions
Answers to what most veterans ask before applying.