Veterans United Home Loans VA Refinance review

Veterans United is the specialist pick for anyone who already has a VA loan. Its refinance page covers the VA Streamline, also called the IRRRL, which lowers the rate with less documentation, and the VA cash-out refinance for tapping home equity. On Nov 13, 2026, it listed the 30-year IRRRL at 6.875% with a 7.168% APR and 1.5 points ($4,425.00), and the 30-year VA cash-out at 6.990% with a 7.324% APR and 0.25 points ($737.50). The rate table can be switched between credit tiers from 620 to 720 and up, which is more useful than a single best-case number, and the APRs include the VA Funding Fee. Rates update at least daily. It serves only VA-eligible borrowers, and its posted VA APRs were above Navy Federal's, so members of both should compare quotes.

Who it is for

veterans with an existing VA loan

Price

30-year VA refinance rate 6.875%; IRRRL 6.875% (7.168% APR) with 1.5 points, as of Nov 13, 2026.

As of today, November 12th, 2026, the 30-year fixed VA refinance loan rate is 6.875%, up from last week's average of 6.423%.
Quoted from the vendor pricing page on November 13, 2026.

Key features

• VA Streamline (IRRRL) to lower the rate with less documentation
• VA cash-out refinance at 6.990% (7.324% APR) with 0.25 points
• Rate table you can adjust by credit score tier, from 620 to 720 and up
• Jumbo IRRRL and jumbo cash-out options
• Posted APRs include the VA Funding Fee

Strengths and weaknesses

• Strength: Posts VA refinance rates by credit tier, not only for top scores
• Strength: Rates update at least daily, with assumptions shown on the page
• Strength: VA cash-out example needs only 0.25 points ($737.50)
• Weakness: Only serves VA-eligible veterans, service members and surviving spouses
• Weakness: IRRRL example carries 1.5 points ($4,425.00)
• Weakness: Its posted VA APRs ran above Navy Federal's on the same day

Key facts

• VA IRRRL: 6.875% rate, 7.168% APR, 1.5 points
• VA cash-out: 6.990% rate, 7.324% APR, 0.25 points
• Default credit score: 720
• Loan types: VA only

Where it ranks

Veterans United Home Loans VA Refinance is No. 5 in our Best Mortgage Refinance Lenders verdict.