Refinance Your VA Home Loan

Why Refinance with a VA Loan?

Refinancing your VA loan could be the smart move you’ve been waiting for. At Colorado VA Home Loans, we make the process simple, fast, and stress-free so you can lower your rate, reduce your payments, or access your home’s equity with confidence. Refinancing allows you to replace your existing mortgage with a new one at a different rate or term. Depending on your goals, that can mean:


  • Lower monthly payments
  • Shorter loan term (pay off your home faster)
  • Switching from an adjustable to a fixed rate
  • Cash-out access for home improvements or debt consolidation

VA Refinance Options

Interest Rate Reduction Refinance Loan

Also known as a “VA Streamline Refinance,” this program helps you reduce your interest rate or switch to a fixed-rate mortgage often with:

  • No appraisal required
  • Minimal paperwork
  • No out-of-pocket costs (can roll into your loan)

It’s one of the fastest and easiest refinance options available to eligible veterans.

Cash-Out Refinance

Need to access the equity in your home? A VA Cash-Out Refinance allows you to replace your current mortgage with a new one up to 100% of your home’s value (most lenders cap at 90%). You can use the cash to:

  • Consolidate debt
  • Fund home renovations or energy upgrades
  • Pay off other loans or large expenses

Hand holding a bag of money with a dollar sign.

Refinance Today

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