IRRRL
IRRRL is often called a VA streamline refinance. It is generally for reducing rate/payment on an existing VA loan, subject to current program and lender rules.
Ask whether an appraisal is required in your case, how funding fee treatment works for IRRRL, and whether the new loan actually improves your plan after costs. Net tangible benefit standards and lender overlays apply.
Ashley / FSB can review IRRRL questions when market conditions and your loan make comparison useful. MoJo does not refinance loans.
Search, showings, negotiations, inspections, and closing coordination in Kansas and Missouri. MoJo is not a lender and does not set rates or approve loans.
Ashley Jones (NMLS 1739681), First State Bank Mortgage, reviews VA purchase and refinance scenarios. Loans subject to approval, licensing, and underwriting. No promised rates.
Start Ashley’s FSB application
First State Bank Mortgage is a division of First State Bank of St. Charles, MO, NMLS ID: 416668. Equal Housing Lender. Authorized to lend in all 50 states. Not a loan commitment. All loans subject to approval, creditworthiness, and income verification. Applicants must be at least 18 years old. Programs, rates, terms, and conditions can change without notice. Restrictions may apply.
MoJo for KS/MO representation. Ashley for lender review. Straight answers — no rate hype.
(816) 268-6068