For veterans who already have a VA loan
Lower your rate.
Skip the circus.
An IRRRL (Interest Rate Reduction Refinance Loan) is the VA’s “do-over” button for your rate. No appraisal, no bank statements, no income docs. Just a streamlined refi that either saves you money, or we don’t do it.
No hard credit pull to get started. We begin with a soft credit pull and simple docs.
Prefer to talk to a human? Call 843-LOW-RATE (Yes, that’s really the number.)
Start My VA IRRRL Check
Takes about 2 minutes. I’ll review your info, run the numbers, and tell you straight if this refi actually helps, or if you should leave your loan alone.
Fill Out the Short Form- ✓ No obligation, no pressure.
- ✓ Soft credit pull only to start.
- ✓ We only move forward if you clearly win.
Real numbers, not a teaser
Today’s VA IRRRL rates, no games
Rates are accurate as of the publish time shown, but are subject to mid-day adjustment and generally expire at the end of the day.
Start your loan application →Estimate only, based on wholesale pricing for the assumptions shown. Not a Loan Estimate or a commitment to lend. Home Loans Inc, NMLS 1728740; Jason Sharon, NMLS 1281448. Equal Housing Lender.
By refinancing the consumer’s existing loan, the consumer’s total finance charges may be higher over the life of the loan.
Why veterans use this refi
What an IRRRL does for you
Lower Payment
Trade in your old rate for something that doesn’t punch your wallet every month.
Less Paperwork
No appraisal, no income docs, no bank statements. You’ve already done that rodeo.
Streamlined Process
Faster and simpler than a full refinance. Fewer hoops, fewer “we still need one more thing” emails.
Math-First Decisions
We only move forward if the savings are real, clear, and recoup the costs within 36 months.
No score? Don’t count yourself out.
A VA IRRRL even without a usable credit score
Most lenders bounce you the second your credit score dips, or worse, when there’s no score at all. We don’t always have to. On a VA IRRRL we can often work from a mortgage-only credit report, no FICO required, and price you like a 640, as long as your recent history holds up: no 30-day-late payments in the last 6 months, and no more than one in the last 12. Your on-time track record should count for more than a three-digit number. If that’s you, let’s talk.
The non-negotiables
VA IRRRL requirements (in plain English)
The VA has rules. They’re not exciting, but they exist to make sure this actually helps you. Here’s what has to be true:
210-day rule
At least 210 days must have passed since your first payment on your VA loan.
On-time payments
Your last 6 payments must all be on time. No late-pay adventures.
Rate has to drop
Your new rate must be at least 0.5% lower than your current rate.
36-month recoup
Costs must be recouped within 36 months from monthly savings.
If these boxes aren’t checked, we don’t do the loan. You don’t need another payment you’re unsure about. You need a clear win.
Who this is actually for
Is this your lane or not?
Probably for you if:
- You already have a VA loan on your home.
- You’re looking at your payment thinking “we can do better than this.”
- Rates have dropped since you locked your current loan.
- You want less paperwork this time around, not more.
Probably not for you if:
- You want cash out (that’s a different VA refinance).
- You’re behind on payments and need a workout or loss-mitigation plan.
- You’re chasing a magic trick instead of real math.
- You want someone to tell you what you want to hear instead of what’s true.
How to do this without losing your mind
How the IRRRL process works
1. Fill out the form or call
Tell me about your current VA loan and upload your mortgage statement. No essay questions.
2. We run the numbers
I pull a soft credit report, check the VA rules, and show you exactly how your payment would change.
3. You decide
If it’s a clear win, we lock it in and handle the paperwork. If not, you keep your current loan, and a little extra peace of mind.
Ready to see if the math works in your favor? Start My IRRRL Check
What I actually need from you
Three things to get this rolling
No giant checklist. To see if an IRRRL works for you, here’s what I need:
Soft credit pull
So we can see where your rate can realistically go. We start soft, not hard.
Your driver’s license
Standard ID so we know who we’re helping.
Your most recent mortgage statement
This tells us your current rate, balance, and payment so we can do the math correctly.
Meet the guy behind the numbers
Meet Jason Sharon
“I didn’t want my picture here… but apparently websites ‘need personality.’”
Look, I didn’t actually want a section about myself. But the web designer said, “Jason, people need to know who’s helping them.” So… here we are.
I’m Jason Sharon, veteran, straight-shooter, and someone who thinks mortgage jargon should be illegal. I’ve been helping veterans get into better loans for years, and I treat this work the same way I treated the military: Direct. Honest. No games. No wasting time.
- No sales pitch: I don’t do scripts or pressure.
- No BS: If the IRRRL doesn’t save you money, I tell you flat-out.
- Real explanations: Normal human English. No banker-speak.
- Veteran-first mindset: I get what your time and sanity are worth.
Too many lenders treat vets like file numbers instead of people. Too many veterans get talked into refinances that don’t actually help them. Not on my watch. If we work together, you’ll get straight answers, honest math, and a refi that truly improves your situation, or no deal.
Why do it here
Why work with me instead of a call center
You’ve probably had enough of big-box lenders and “transfer you to my supervisor” types. That’s not this.
Veteran-centered, not volume-centered
You’re not a lead ID in a dialer. You’re a person who wants a better deal on the home you already fought to keep.
Plain talk, no word salad
I explain your options in normal human language, not mortgage bingo. If something doesn’t make sense, we stay on it until it does.
Math over marketing
If the numbers don’t clearly improve your situation, I’d rather lose the loan than wedge you into a bad one.
Respect for your time
You’ve jumped through enough hoops in life. This doesn’t need to be another obstacle course.
“If you want hype and jingles, there are plenty of lenders for that. If you want the truth and a lower payment, that’s what we’re here for.”
Rated 5.0 by the families we serve.
Jason knows his stuff! We highly recommend him for your mortgage needs! He responds timely, provides information you didn't know you needed, puts the client needs first, and makes common sense adjustments throughout the entire process.
Jason and his team did an amazing job for me. They communicated often and made the entire mortgage process smooth and efficient. I can genuinely say that they are honest, trustworthy and strive to provide the best service possible to their clients.
Jason has been awesome since the beginning. He has been communicative, professional, KNOWLEDGEABLE, and honest. I am very happy with all my services so far, and I recommend UWM!
FAQ: The straight-talk version
No jargon. No filler. Just clear answers to what matters.
Will my payment definitely go down?
Not automatically. Anyone who promises that without seeing your numbers is guessing. I’ll run the math with your actual rate, balance, and costs. If the payment or long-term picture doesn’t clearly improve, we don’t move forward.
Do I have to get an appraisal?
In most IRRRL cases, no appraisal is required. That’s one of the biggest perks: less hassle, less waiting, and nobody walking through your house with a clipboard.
Can I pull cash out with an IRRRL?
No. An IRRRL is strictly for rate and payment. If you’re trying to pull cash out, that’s a different VA refinance and a different conversation.
Does this mess with my VA eligibility?
You’re already using your VA entitlement on your current loan. We’re just refinancing that same VA loan into better terms. Your entitlement follows the loan.
What if the numbers don’t look good?
Then we stop. My job is to help you make a smart move, not talk you into a bad one. I’d rather lose a loan than put you in something that doesn’t help.
Still have a question I didn’t answer? Ask Jason Directly
Where I can help
Licensed in 10 states (and counting)
The 10 filled emerald states are where I am a licensed mortgage broker today. The lighter states are expanding. If you see your state lit up, let’s run your IRRRL numbers.