|
Veteran-Focused Mortgage Savings
VALOR – Veteran Advantage Loan Optimization Review
|
|
You've earned your VA home loan benefits – now make them work harder for you. Instantly compare your current loan against today's rates to uncover potential monthly savings, total interest reduction, and your break-even point – no credit pull, no obligation, no guesswork.
How VALOR Works
See your potential monthly and lifetime savings in minutes. Then connect with a Mortgage Matchmaker for a custom quote – only if you love the results.
1) Enter Your Info
Quick contact form – takes 30 seconds.
2) Input Loan Details
Current loan information – takes 60 seconds.
3) Review Results
View new payment, interest saved, and benefits.
4) Schedule Consultation
Book a time that works for you – no pressure.
Choose the Refinance Path That Fits You
| Program | Best For | Key Benefits |
|---|---|---|
| Veteran Advantage Express Streamline-style Refinance (IRRRL) | Current VA borrowers lowering payment | No appraisal • Minimal docs • Fast in-house closing • 0.5% funding fee |
| Veteran Advantage Plus Cash-Out Refinance | Veterans with equity | Access cash • Consolidate debt • Flexible terms • Up to 90% LTV |
| Veteran Advantage Access FHA/Conventional → VA | Eligible veterans in non-VA loans | Remove PMI • Potentially lower rate • Unlock full VA benefits • 100% LTV available |
Who's Eligible?
✓ Service Eligibility
Active duty, veterans, National Guard, Reserves, and eligible surviving spouses. We'll help you retrieve your COE if needed.
✓ Occupancy
Property must be (or have been) your primary residence. Investment properties not eligible.
✓ Loan Status
Your mortgage should be current with no late payments in the last 12 months for streamline refinances.
Real Veterans. Real Savings.
"I dropped my rate from 6.75% to 4.99% with no appraisal – quick and stress-free. Caroline made the process simple and answered all my questions."
– James R., U.S. Army Veteran
"We refinanced from FHA to VA and saved over $300/month while removing PMI. The VALOR analyzer showed us exactly what to expect before we even applied."
– Dana & Mike T., Air Force Family
VA Refinance FAQs
Do I need an appraisal?
Not for most streamline (Express/IRRRL) refinances. Cash-out options and refinances from non-VA loans generally require a full appraisal.
Will you check my credit to use VALOR?
No credit pull is required for the initial VALOR analysis. We only check credit when you're ready to move forward with an actual loan application.
Can I take cash out?
Yes – the Veteran Advantage Plus program allows qualified borrowers to access home equity, typically up to 90% LTV (loan-to-value ratio).
Can I move from an FHA or Conventional loan to VA?
Yes – the Veteran Advantage Access program helps remove PMI and transition into full VA benefits. This is often the best option for eligible veterans currently in conventional or FHA loans.
What's the VA funding fee?
The VA funding fee varies by loan type: IRRRL (streamline) is 0.5%, first-time VA use is 2.15%, subsequent use is 3.3%. Veterans with a 10%+ service-connected disability are exempt from the fee. The fee can be rolled into your loan amount.
How long does the process take?
Streamline refinances typically close in 2-3 weeks. Cash-out and conventional-to-VA refinances take 3-4 weeks on average.
Ready to See How Much You Could Save?
Open the analyzer to run your free VA Loan Refinance Analysis – if the numbers look great, we'll help you lock it in.