{"id":6456,"date":"2026-05-26T18:30:00","date_gmt":"2026-05-26T18:30:00","guid":{"rendered":"https:\/\/itsveterans.com\/?p=6456"},"modified":"2026-09-19T15:33:52","modified_gmt":"2026-09-19T15:33:52","slug":"you-could-be-losing-thousands-of-dollars-on-your-home-loan","status":"publish","type":"post","link":"https:\/\/itsveterans.com\/?p=6456","title":{"rendered":"You could be losing thousands of dollars on your home loan"},"content":{"rendered":"

Originally published:<\/strong> May 26, 2026, 18:30 UTC. Historical source article: benefits, rules, amounts and deadlines may have changed. Check the official source for current information.<\/p>\n

Refinancing a VA loan\u00c2\u00a0may\u00c2\u00a0offer Veterans a powerful option to lock in\u00c2\u00a0a\u00c2\u00a0lower\u00c2\u00a0interest\u00c2\u00a0rate, refinance a non-VA loan into a VA-backed loan,\u00c2\u00a0and\/or get cash\u00c2\u00a0back\u00c2\u00a0from the equity\u00c2\u00a0they have in their\u00c2\u00a0home. Veterans can save hundreds of thousands of dollars over the life of their loan with an interest rate\u00c2\u00a0reduction\u00c2\u00a0or get up to 100% of their home\u00c2\u00a0equity\u00c2\u00a0in cash to be used for\u00c2\u00a0items such as\u00c2\u00a0home repairs,\u00c2\u00a0college tuition or\u00c2\u00a0to\u00c2\u00a0consolidate\u00c2\u00a0high-interest debt.\u00c2\u00a0<\/p>\n

As\u00c2\u00a0with every financial\u00c2\u00a0decision, there are\u00c2\u00a0pros\u00c2\u00a0and\u00c2\u00a0cons, and VA wants Veterans to understand\u00c2\u00a0all of\u00c2\u00a0their options before making any\u00c2\u00a0financial decisions\u00c2\u00a0like refinancing their home loan<\/a>.\u00c2\u00a0\u00c2\u00a0<\/p>\n

VA Refinancing option\u00c2\u00a0#1: IRRRL\u00c2\u00a0\u00c2\u00a0<\/h2>\n

When interest rates\u00c2\u00a0are lower,\u00c2\u00a0Veterans\u00c2\u00a0often\u00c2\u00a0take\u00c2\u00a0advantage of\u00c2\u00a0VA\u00e2\u0080\u0099s Interest Rate Reduction Refinancing\u00c2\u00a0Loan (IRRRL)<\/a>. IRRRLs are popular\u00c2\u00a0because\u00c2\u00a0they can\u00c2\u00a0refinance a VA-guaranteed home loan to obtain\u00c2\u00a0a\u00c2\u00a0lower interest rate,\u00c2\u00a0lower monthly mortgage payment or\u00c2\u00a0refinance an\u00c2\u00a0adjustable-rate\u00c2\u00a0mortgage (ARM) into a fixed-rate mortgage.\u00c2\u00a0<\/p>\n

A\u00c2\u00a0key\u00c2\u00a0benefit of the IRRRL is how much money you can save\u00c2\u00a0over\u00c2\u00a0the life of the loan\u00c2\u00a0by refinancing\u00c2\u00a0into a lower interest rate.\u00c2\u00a0Amortization math and graphs can help you see the savings you can achieve.\u00c2\u00a0You can also\u00c2\u00a0finance most closing costs into the loan amount,\u00c2\u00a0which means you typically do not\u00c2\u00a0need\u00c2\u00a0cash on hand to take advantage of lower interest rates.\u00c2\u00a0IRRRLs also typically do not require\u00c2\u00a0underwriting for\u00c2\u00a0the majority of\u00c2\u00a0these\u00c2\u00a0loans,\u00c2\u00a0and if you\u00e2\u0080\u0099re a Veteran in receipt of\u00c2\u00a0VA service-connected disability (or otherwise exempt), you\u00c2\u00a0will not\u00c2\u00a0be charged\u00c2\u00a0a\u00c2\u00a0VA\u00c2\u00a0funding fee.\u00c2\u00a0\u00c2\u00a0<\/p>\n

If\u00c2\u00a0a\u00c2\u00a0Veteran\u00c2\u00a0purchased\u00c2\u00a0a home for $400,000 with a 30-year loan term\u00c2\u00a0and a fixed\u00c2\u00a0rate of 6.5%, the principal and interest payment would be\u00c2\u00a0around\u00c2\u00a0$2,528\u00c2\u00a0per month. If the Veteran can take advantage of an IRRRL to reduce the interest rate to 5%\u00c2\u00a0(keeping\u00c2\u00a0the new IRRRL loan amount\u00c2\u00a0the same,\u00c2\u00a0at $400,000\u00c2\u00a0with a 30-year loan term), their new principal and interest payment would decrease to\u00c2\u00a0around\u00c2\u00a0$2,147\u00c2\u00a0per month. This would equate to a savings of $381\u00c2\u00a0each and every\u00c2\u00a0month, just by reducing the interest rate.\u00c2\u00a0\u00c2\u00a0\u00c2\u00a0<\/p>\n

VA\u00c2\u00a0Refinancing option\u00c2\u00a0#2:\u00c2\u00a0Cash-Out\u00c2\u00a0\u00c2\u00a0<\/h2>\n

With the\u00c2\u00a0VA\u00c2\u00a0Cash-out\u00c2\u00a0loan<\/a>,\u00c2\u00a0Veteran borrowers\u00c2\u00a0can use this\u00c2\u00a0option\u00c2\u00a0to\u00c2\u00a0access\u00c2\u00a0cash up to the amount of\u00c2\u00a0their entire home equity.\u00c2\u00a0The lump sum of cash can be used for\u00c2\u00a0many\u00c2\u00a0purposes, like home improvements, paying off\u00c2\u00a0debt,\u00c2\u00a0children\u00e2\u0080\u0099s education or emergency expenses.\u00c2\u00a0Veterans who\u00c2\u00a0currently\u00c2\u00a0have a non-VA home loan\u00c2\u00a0(for example,\u00c2\u00a0a\u00c2\u00a0conventional\u00c2\u00a0loan)\u00c2\u00a0can\u00c2\u00a0also\u00c2\u00a0refinance into a VA-backed\u00c2\u00a0home loan and take advantage of traditionally lower interest rates and\u00c2\u00a0other\u00c2\u00a0important\u00c2\u00a0benefits\u00c2\u00a0that come along with\u00c2\u00a0having a\u00c2\u00a0VA-guaranteed home\u00c2\u00a0loan.\u00c2\u00a0VA cash-out refinance loans\u00c2\u00a0typically\u00c2\u00a0do\u00c2\u00a0not require\u00c2\u00a0cash at closing\u00c2\u00a0from the Veteran\u00c2\u00a0and\u00c2\u00a0allowable fees\/closing costs may\u00c2\u00a0be paid\u00c2\u00a0from loan proceeds,\u00c2\u00a0which helps reduce or\u00c2\u00a0eliminate\u00c2\u00a0any amount due from the borrower at\u00c2\u00a0closing.\u00c2\u00a0<\/p>\n

Do your homework when it comes to refinancing<\/h2>\n

Veterans should\u00c2\u00a0proceed\u00c2\u00a0with caution when\u00c2\u00a0refinancing\u00c2\u00a0a\u00c2\u00a0VA home loan.<\/p>\n

Shop around:\u00c2\u00a0VA\u00c2\u00a0does not set the interest rate that lenders must\u00c2\u00a0offer borrowers. This means it is lender-, borrower-, and market-determined\u00c2\u00a0and may vary from one lender to another.\u00c2\u00a0Veterans should shop around to find the lender that offers the best loan terms that fits their needs.\u00c2\u00a0\u00c2\u00a0<\/p>\n

Closing costs: Refinancing\u00c2\u00a0isn\u00e2\u0080\u0099t\u00c2\u00a0free; the lender will charge\u00c2\u00a0additional\u00c2\u00a0closing costs, which can add up to thousands of\u00c2\u00a0additional\u00c2\u00a0dollars. This can include the VA funding fee (unless the Veteran is\u00c2\u00a0service-connected\/exempt), lender and brokerage fees, title fees, etc.\u00c2\u00a0In many cases when doing a\u00c2\u00a0VA\u00c2\u00a0refinance loan, the Veteran can finance allowable closing costs into the loan amount, but keep in mind that this will increase\u00c2\u00a0the loan balance and therefore will incur\u00c2\u00a0additional\u00c2\u00a0costs\u00c2\u00a0in the form of interest over the life of the loan.\u00c2\u00a0\u00c2\u00a0<\/p>\n

Amortization restarts: A refinanced loan is a brand-new loan, with\u00c2\u00a0the old loan being paid off and a new loan starting with\u00c2\u00a0a new amortization\u00c2\u00a0schedule. This means that\u00c2\u00a0when the loan closes, you are restarting at 30 or 15 years, which means\u00c2\u00a0most of your\u00c2\u00a0initial\u00c2\u00a0payments will go to interest and\u00c2\u00a0only\u00c2\u00a0a small amount going to the principal. While you may save\u00c2\u00a0money on the monthly payment, Veterans should pay attention to how much their total\u00c2\u00a0loan paid amount (with interest included) will be at the end of the refinanced loan.\u00c2\u00a0\u00c2\u00a0<\/p>\n

Unwanted lender advertisements: Because the VA home loan\u00c2\u00a0is facilitated\u00c2\u00a0by non-VA affiliated private lenders, they may\u00c2\u00a0provide\u00c2\u00a0your information to third parties that\u00c2\u00a0may then\u00c2\u00a0send you loan-related advertisements,\u00c2\u00a0potentially\u00c2\u00a0resulting in large quantities of mail, email, phone calls and text messages.\u00c2\u00a0Be wary of any unsolicited mail\u00c2\u00a0or phone calls\u00c2\u00a0you\u00c2\u00a0may\u00c2\u00a0receive\u00c2\u00a0after closing a VA-guaranteed home loan,\u00c2\u00a0as\u00c2\u00a0VA does not partner with any single lender to offer special refinance options.\u00c2\u00a0VA recommends Veterans\u00c2\u00a0reach out to\u00c2\u00a0multiple\u00c2\u00a0lenders to\u00c2\u00a0determine\u00c2\u00a0their specific\u00c2\u00a0company policy on sharing information with third parties.\u00c2\u00a0Veterans can also add their phone numbers to the\u00c2\u00a0National Do Not Call Registry<\/a>\u00c2\u00a0or contact\u00c2\u00a0the\u00c2\u00a0Consumer Financial Protection Bureau<\/a>\u00c2\u00a0(CFPB)\u00c2\u00a0for\u00c2\u00a0mortgage\u00c2\u00a0scam\u00c2\u00a0mail materials.\u00c2\u00a0<\/p>\n

Cash-out\u00c2\u00a0cash\u00c2\u00a0back\u00c2\u00a0costs:\u00c2\u00a0For the VA cash-out refinance loan,\u00c2\u00a0the Veteran is\u00c2\u00a0typically\u00c2\u00a0adding the cash-out amount\u00c2\u00a0into\u00c2\u00a0the refinanced loan, which\u00c2\u00a0increases the loan amount and\u00c2\u00a0therefore\u00c2\u00a0the amount of interest\u00c2\u00a0paid over the life of the loan. For example, a Veteran\u00c2\u00a0does a VA cash-out refinance loan to receive $100,000 in\u00c2\u00a0cashback\u00c2\u00a0at closing.\u00c2\u00a0If the\u00c2\u00a0previous\u00c2\u00a0loan balance\u00c2\u00a0was $300,000, and they\u00c2\u00a0received\u00c2\u00a0$100,000\u00c2\u00a0cash\u00c2\u00a0back, the Veteran will now have a $400,000\u00c2\u00a0loan\u00c2\u00a0balance.\u00c2\u00a0This\u00c2\u00a0can lead to\u00c2\u00a0higher monthly mortgage principal and interest\u00c2\u00a0payments and\u00c2\u00a0thus paying well over the $100,000 lump sum over 30 years\u00c2\u00a0due to the interest\u00c2\u00a0on it.\u00c2\u00a0Veterans\u00c2\u00a0may\u00c2\u00a0wish to\u00c2\u00a0consult\u00c2\u00a0with a financial advisor prior to\u00c2\u00a0utilizing\u00c2\u00a0the VA cash-out refinance loan to ensure that this\u00c2\u00a0option\u00c2\u00a0is the best choice for\u00c2\u00a0their financial goals and\u00c2\u00a0current\u00c2\u00a0situation.\u00c2\u00a0<\/p>\n

Too good to be true: Very rarely will a cash-out refinance lower your monthly mortgage payment,\u00c2\u00a0so if a lender tells you that they\u00c2\u00a0can get you a cash-out lump sum and lower your payment compared to the original loan,\u00c2\u00a0proceed\u00c2\u00a0with\u00c2\u00a0caution.\u00c2\u00a0The\u00c2\u00a0CFPB<\/a>\u00c2\u00a0and the\u00c2\u00a0Office of the Comptroller of the Currency<\/a>\u00c2\u00a0(OCC)\u00c2\u00a0have recently\u00c2\u00a0taken action\u00c2\u00a0against several banks\u00c2\u00a0for deceptive advertising and\u00c2\u00a0false statements targeting Veterans\u00c2\u00a0looking to refinance their VA home loan. If a Veteran\u00c2\u00a0believes that their lender is engaging in fraudulent practices,\u00c2\u00a0please contact\u00c2\u00a0VA Loan Guaranty Service<\/a>\u00c2\u00a0and the\u00c2\u00a0VA Office of Inspector General<\/a>\u00c2\u00a0to report the lender and end refinancing discussions\u00c2\u00a0at\u00c2\u00a0that\u00c2\u00a0time. Veterans\u00c2\u00a0should\u00c2\u00a0also contact the CFPB or OCC\u00c2\u00a0to report\u00c2\u00a0any misconduct.\u00c2\u00a0\u00c2\u00a0<\/p>\n

Refinancing can reduce\u00c2\u00a0Veteran\u00c2\u00a0borrowers\u00e2\u0080\u0099 monthly mortgage payments or provide significant cash\u00c2\u00a0from the home\u00e2\u0080\u0099s equity, but\u00c2\u00a0Veterans should\u00c2\u00a0always do their homework to determine if the\u00c2\u00a0refinance\u00c2\u00a0is the best\u00c2\u00a0option.\u00c2\u00a0Please speak with a\u00c2\u00a0lender\u00c2\u00a0or reach out to\u00c2\u00a0a\u00c2\u00a0VA\u00c2\u00a0loan\u00c2\u00a0specialist\u00c2\u00a0by calling\u00c2\u00a01-877-827-3702\u00c2\u00a0(Monday-Friday, from 8:00 a.m. \u00e2\u0080\u0093 6:00 p.m. ET).\u00c2\u00a0\u00c2\u00a0<\/p>\n

\n

Source: U.S. Department of Veterans Affairs<\/a>. Its Veterans is an independent publication and is not affiliated with or endorsed by the U.S. government.<\/p>\n","protected":false},"excerpt":{"rendered":"

Veterans and service members can use VA home loan services to potentially save hundreds of thousands of dollars.<\/p>\n","protected":false},"author":1,"featured_media":103,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[28,29],"tags":[],"class_list":["post-6456","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-housing-home-loans","category-va-home-loans"],"yoast_head":"\nYou could be losing thousands of dollars on your home loan - Its Veterans<\/title>\n<meta name=\"description\" content=\"Veterans and service members can use VA home loan services to potentially save hundreds of thousands of dollars.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/itsveterans.com\/?p=6456\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"You could be losing thousands of dollars on your home loan - 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