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VA Mortgage Refinancing

Housing Assistance

Overview of VA home loans

More and more Veterans who own homes are using VA’s mortgage refinancing options to conserve cash through lower interest rates — or take advantage of their home’s equity to pay for school, debt, or home improvements. The following programs may be available to qualifying Veterans:

  • Cash-Out Refinance Home Loans - Take advantage of your home’s equity to take cash out through refinancing, or refinance a non-VA loan into a VA-guaranteed loan.
  • Interest Rate Reduction Refinance Loans - See if you can lower your monthly mortgage payment by obtaining a lower-interest loan — or stabilize your monthly payments by moving from a loan with an adjustable interest rate to one that’s fixed.

Explore more about VA refinancing and interest rate reduction programs and see if one of these options is right for you.

How to Apply

Certificate of Eligibility

Adapted Housing Grant

  • Apply Online

    The fastest and easiest way to get access to your benefits is to apply using your computer or mobile device.

  • Apply through In Person

    Fill out and submit VA Form 26-4555 (PDF) and bring it to your nearest VA benefits office.

  • Apply By Mail

    Call 800-827-1000 to have a claim form mailed to you.


Some benefits may also be used by active service members, reservists, and National Guard members as well as eligible spouses, children, and survivors of Veterans and service members. Consult the VA benefits booklet or visit the nearest VA regional office for character of discharge requirements and more detailed information.

Page last updated on February 17, 2023


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