Refinance

MY VA LOAN

Unlock the Benefits of a VA Streamline Refinance

You’ve been of service to us; let us make sure your money’s serving you.

Shining Star Funding is proud to support this country’s veterans, which is why we make it our duty to ensure your money is working as hard as it can for you. A VA Streamline, also known as a VA IRRRL (Interest Rate Reduction Refinance Loan), can provide immediate financial benefits to veterans with current VA loans.

These benefits can include:

A lower interest rate

Refinancing a VA loan is quick and easy with a VA Streamline Refinance, resulting in a lower rate for you and your family.

A lower monthly payment

Lowering your monthly payment gives you some breathing room by taking the pressure off your budget, which is working hard enough.

A new mortgage structure

We know how daunting unpredictability can be. Switching from an adjustable-rate mortgage to a fixed rate can provide the stability and peace of mind you need to focus on what’s really important.

Cashing out equity

A VA Streamline can allow you to convert some of your home’s equity into cash, which can be used for anything you need or want.

A Few Things to Consider…

The length of your mortgage may or may not change based on your particular refinance situation. Six consecutive monthly payments have to be successfully made on your original mortgage before you can apply for a VA Streamline Refinance.

Contact an Shining Star Funding loan advisor in your community today to discuss the benefits of a VA Streamline and review the qualifications process. It would be our honor to serve you.

Check Out How Much You Can Save

Our user-friendly calculators can determine
how much you can save on your monthly payment
or over the life of the loan.

We're Here To Help

We’re always happy to chat, but sometimes you need to do things at your own pace. Our tools and resources are available whenever you need them.

6101 Bollinger Canyon Rd #344, San Ramon, CA 94583
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Copyright ©2025 Shining Star Funding A division of American Pacific Mortgage Corporation | NMLS ID # 1850 (www.nmlsconsumeraccess.org) | CA-DRE #01215943 | 6101 Bollinger Canyon Rd #344, San Ramon, CA 94583 Phone (925) 820-2981 | Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.|Not Available in New York

For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity.
Interactive calculators are self-help tools. Results received from this calculator are designed for comparative and illustrative purposes only, and accuracy is not guaranteed. Shining Star Funding is not responsible for any errors, omissions, or misrepresentations. This calculator does not have the ability to pre-qualify you for any loan program or promotion. Qualification for loan programs may require additional information such as credit scores and cash reserves which is not gathered in this calculator. Information such as interest rates and pricing are subject to change at any time and without notice. Additional fees such as HOA dues are not included in calculations. All information such as interest rates, taxes, insurance, PMI payments, etc. are estimates and should be used for comparison only. Shining Star Funding does not guarantee any of the information obtained by this calculator.