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Best VA Refinance Lenders (2026)
Top lenders for VA refinance loans, including VA IRRRL (streamline) and VA cash-out options for eligible veterans and service members.
Top Lenders for This Situation
Rocket Mortgage
Best for: Online experience
Min. credit score
580
Pros
- +Streamlined online process with fast pre-approval
- +Wide range of loan products including jumbo
- +Highly rated mobile app and customer support
Cons
- -Origination fees may be higher than some competitors
- -No in-person branches for face-to-face meetings
- -Limited home equity loan options
LendingTree
Best for: Comparing multiple offers
Min. credit score
580
Pros
- +Receive up to 5 offers from competing lenders
- +Wide range of loan types and lender partners
- +Helps borrowers with lower credit scores find options
Cons
- -Not a direct lender (marketplace model)
- -May receive marketing calls from multiple lenders
- -Rates shown are estimates until lender verification
Guaranteed Rate
Best for: Wide loan selection
Min. credit score
620
Pros
- +Extensive loan product menu including niche options
- +Both digital and in-person support available
- +Competitive rates with rate lock flexibility
Cons
- -Origination fees vary by market and loan type
- -Online reviews cite occasional processing delays
- -Not available in all states for all products
loanDepot
Best for: Repeat customers
Min. credit score
620
Pros
- +Lifetime guarantee waives lender fees on future refinances
- +Available nationwide with local loan officers
- +Solid digital application experience
Cons
- -Higher rates reported compared to some online lenders
- -Customer service ratings have fluctuated
- -No USDA loans
PennyMac
Best for: Existing PennyMac borrowers
Min. credit score
620
Pros
- +Simple refinance process for current PennyMac customers
- +Competitive rates on conforming and government loans
- +No in-person visit required
Cons
- -Limited branch locations
- -Less competitive for jumbo or non-conforming loans
- -Online tools are functional but not best-in-class
Chase
Best for: Existing Chase customers
Min. credit score
620
Pros
- +Rate discounts for existing Chase banking customers
- +Nationwide branch network for in-person support
- +Strong reputation and financial stability
Cons
- -Less competitive rates without relationship discounts
- -Approval process can be slower than online-only lenders
- -No USDA loans
Wells Fargo
Best for: In-person service
Min. credit score
620
Pros
- +Large branch network for face-to-face support
- +Closing cost assistance programs available
- +Wide range of conventional and government loan products
Cons
- -Online application experience lags behind digital-first lenders
- -Past regulatory issues may concern some borrowers
- -Rates may not be the most competitive for all profiles
Relevant Loan Types
See your numbers
Use real Federal Reserve data to calculate your potential refinance savings for this scenario.
Try the CalculatorFrequently Asked Questions
What is a VA IRRRL?
A VA Interest Rate Reduction Refinance Loan (IRRRL) is a streamlined refinance for existing VA loan holders. It requires minimal documentation, no appraisal in most cases, and can close faster than a standard refinance.
Do I need a Certificate of Eligibility for a VA refinance?
For a VA IRRRL, lenders can verify your eligibility electronically. For a VA cash-out refinance, you will need a Certificate of Eligibility (COE), which you can obtain through the VA or your lender.
Is there a funding fee on VA refinances?
Yes, VA refinances have a funding fee. For IRRRLs, it is 0.5% of the loan amount. For cash-out refinances, it ranges from 2.15% to 3.3% depending on usage history. Veterans with service-connected disabilities are exempt.
Can I refinance from a conventional loan to a VA loan?
Yes, eligible veterans can refinance a conventional mortgage into a VA loan through a VA cash-out refinance. This can eliminate PMI and may offer a lower rate.
What credit score do VA lenders require?
The VA does not set a minimum credit score, but most lenders require at least 580 to 620. Some lenders, like Navy Federal, offer more flexibility for military members.
This page is for educational purposes only and does not constitute financial advice. Wirly is not a lender or mortgage broker. Individual rates, terms, and eligibility vary by lender and borrower profile. Consult a licensed mortgage professional for personalized guidance.