Miami, FL VA Refinance
Refinance a Home with a Miami, Florida VA Loan

Thanks to the Miami VA Home Loan Program, qualified homeowners are taking advantage of our low VA interest rates. Veterans are lowering their monthly mortgage payments, allowing them to keep even more money in the bank.  Use equity from your home to provide needed cash flow, pay for home improvements, college tuition, or pay off high interest debt.

The following programs are available for VA borrowers ready to refinance in Miami: Get a Lower VA Mortgage By Calling 888-208-9797 today.  Start your VA Loan Now.

VA Cash Out Refinance

Miami, Florida VA Cash Out Refinance lets borrowers access the cash from their home equity to use for other purposes such as buying a car, home improvements and college tuition. Basically, the process provides access to the equity you’ve built up in the home and you are free to use the money however you choose. These refinances can be used for homes that are the principal residence of the owner and the VA will guarantee loans up to 100% of the value of the Miami home. These loans are not the same as Home Equity Loans, which are second loans that run alongside your existing loan. Instead, a Miami VA cash-out refinance loan will actually replace your existing loan. These loans are also available for any qualified veteran homeowner, whether they have a FHA, USDA or conventional loan. In refinancing, many prefer the VA cash-out refinance option because of the potentially lower interest rates and ability to pay the loan out over a longer period of time.

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VA Streamline Refinance (IRRRL)

Interest Rate Reduction Refinance Loans (IRRRL) is a program that helps current VA borrowers to refinance at lower interest rates with little to no out-of-pocket costs. IRRRL also means little paperwork, swifter processing times, and many times eliminates the need for an appraisal. In fact, this is often considered the most beneficial type of refinance option for veterans who currently have a VA loan. With a Miami VA streamline loan you can qualify without a bank account or income verification. The required funding fee is lower than VA purchase loans and closing costs are often wrapped into the loan, meaning no out of pocket costs. Eligibility requirements are for current VA loans, with a 12 month record of on time payments and no more than one late payment within the past year. It’s also used for borrowers currently living in the home as a primary residence. There are certain instances where this requirement may be weighed; for example if the home had previously been a primary residence but relocation forced it to become rental property. The purpose of this loan is to help put veteran borrowers in a better financial situation. With lower monthly payments, borrowers are more likely to make payments on time.

Get the Best Miami VA Mortgage Rate

If you’re looking for a personal mortgage experience you’ve come to the right place.  Get the best of both worlds with a designated Miami, FL VA professional plus technology.  What’s even better are the lower rates, no upfront fees and fast closings. 

Rates so low the nations largest VA lenders panic when consumers find out about the low rates at VA Mortgage Centers.

Connect with your personal VA Loan Expert by calling 888-208-9797.

Get my VA Rate! 

    Once this form is completed, a local VA mortgage consultant will be reaching out to you. You will receive an instant email with the credentials of your VA consultant with contact information and a photo. We look forward to assisting you with your home buying or refinancing needs.

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    Miami (/maɪˈæmi/), officially the City of Miami, is a metropolis located in southeastern Florida in the United States. It is the second most populous metropolis on the East coast of the United States, and it is the seventh largest in the country.[8][9] The city is an economic powerhouse, serving as the financial and business capital of Latin America. The city has the third tallest skyline in the U.S. with over 300 high-rises,[10] 55 of which exceed 491 ft (150 m).[11]

    Miami is a major center and leader in finance, commerce, culture, arts, and international trade.[12][13] The metro area is by far the largest urban economy in Florida and the 12th largest in the United States, with a GDP of $344.9 billion as of 2017.[14] In 2020, Miami was classified as a Beta + level global city by the GaWC.[15] In 2019, Miami ranked seventh in the United States and 31st among global cities in terms of business activity, human capital, information exchange, cultural experience, and political engagement.[16] According to a 2018 UBS study of 77 world cities, the city was ranked as the third-richest in the United States and the eighth-richest in the world in terms of purchasing power.[17] Miami is nicknamed the “Capital of Latin America” and is the largest city with a Cuban-American plurality.[1][18]