No Appraisal VA Refinance Streamline

We offer the best VA refinance program in the country because unlike most banks and others lenders, there is NO appraisal.

While most banks and lenders require a 640 minimum credit score, our VA IRRRL programs do not require a minimum credit score.  If you've been turned down in the past from various lenders, you should apply with us

Our NO appraisal VA refinance program is a government backed mortgage loan for active duty and prior service veterans who already have an existing VA loan. It provides a fast, simple and hassle free way to refinance a current VA loan even if you owe more than your home is worth (underwater). This is just one of the many benefits of our VA program.


  • No Appraisal
  • No credit score required on IRRRLs
  • No Out of Pocket Expenses
  • No Income or Assets Verification
  • Verbal Employment Verification Only
  • Skip Your Mortgage Payment for 2 Months
  • Lower Interest Rate and monthly payment

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  Get Started VA No Appraisal

Free Quote Call: 800-965-0124

Want to see how a no appraisal VA mortgage streamline refinance can benefit you?  Click the VA Home Refinance Analysis button below or contact us at 800-965-0124 to speak with one our licensed VA mortgage consultants. There is no obligation. One of our licensed VA mortgage consultants will be able to answer your questions and explain how to take advantage of your VA benefits.

Click the button below to find out how much you can be saving EVERY month!

VA Home Loan Refinance Rate Checker

VA Loan Free Rate Quote

BBB A+ Rating American Home Lending USA

VA Approved Mortgage Lender



Why a No Appraisal VA Streamline Loan?


No minimum credit score required on VA IRRRL

Why do thousands of people using their VA Home Loan benefit every single month?

Simply put... VA home loans are the best overall deal for 100% financing. Allow us to assist you in lowering your monthly payment, lower your interest rate, and purchase a home with $0 down.

Purchase With No Money Down

VA Home Loans are one of the only loan programs that still allows the borrower to finance 100% of the home's value and purchase with no money down. Now more than ever, banks are requiring large down payments for conventional loans. In many cases, banks require 20% down, putting home ownership out of reach for many prospective home buyers.

Lower Your Monthly Payment using your VA.

American Home Lending USA offers two benefits that will substantially lower your monthly payment. PMI, or private mortgage insurance is not required on a VA loan. PMI is an added monthly expense required for conventional loans where the borrower finances more than 80% of the home's value.

Interest rates are also lower with a VA Loan, typically 0.5%-1.0% lower than a conventional loan. A lower rate combined with monthly PMI savings can substantially lower your monthly payment.

Edwardsville & Glen Carbon Chamber of Commerce Equal Housing Lende

Illinois Corporate Office
230 S Buchanan St, Ste A
Edwardsville, IL 62025
Phone: (618) 659-8500
Toll-Free: (800) 965-0125
: (800) 771-6925
Florida Branch
1727 Coachman Plaza Dr
Clearwater, FL 33759
Phone: (727) 400-3293
Fax: (314) 735-1250
Alabama Branch
250 Congress St
Mobile, AL 36603
Phone: (251) 289-9404
Fax: (251) 545-4935
St. Louis, MO Branch
1430 Washington Ave, Ste 219
St. Louis, MO 63103
Phone: (314) 658-4534
: (314) 735-1250
Saltillo, Mississippi
3543 Tom Watson Drive
Saltillo, MS 38866
: (662) 762-4499
: (662) 796-0216

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NMLS #71983 (  American Home Lending USA, LLC is headquartered at 230 S Buchanan St, Ste A Edwardsville, IL 62025.  Direct VA lender.  Not an agency of the federal government. Illinois Residential Mortgage License MB.6760542, Missouri Residential Mortgage License 16-1661-A, Licensed by the Mississippi Department of Banking and Consumer Finance #71983. Florida Residential Mortgage License MLD906; Alabama Consumer Credit License #21842; Georgia Residential Mortgage License #36496; Maryland Lender License #21919; Tennessee Residential Mortgage Licensee #117669; Colorado Residential Mortgage License; Arkansas Residential Mortgage License #116077; Licensed by the DBO under the California Residential Mortgage Lending Act #4131300..

Mortgage rates and programs subject to change without notice.  Other restrictions may apply. These materials are not from HUD or FHA and were not approved by HUD or a government agency.

Privacy notice: Your privacy is protected on this site. We will never reveal, sell, or submit your name, address, telephone numbers, tax numbers, or e-mail address to any other vendors, real estate agents, mortgage companies, or banks.  Equal Housing Lender.