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Mortgage refinance gives you options.

You could lower your interest rate, get cash out‍ ‍ or pay off your loan faster.

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Reduce your interest rate or shorten your term.

VA Interest Rate Reduction Refinance Loan (IRRRL)‍ ‍

§%
Interest rate‍ ‍

§%
APR‍ ‍

Points §

  • Refinance up to 100% of the value of your home.
  • A variety of terms are available.
  • Option to finance the funding fee.‍ ‍

Call 800-531-0341

For TTY devices, dial 711

Hours of operation for USAA Bank loan officers

Monday to Friday
7 a.m. to 8 p.m. CT
Saturday and Sunday
Closed

Note: Days and times may vary

Learn about VA IRRRL

Conventional refinance loan‍ ‍

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Interest rate‍ ‍

§%
APR‍ ‍

Points §

  • Refinance up to 95% of the value of your home.
  • A variety of terms are available.
  • Private mortgage insurance may be required.

Call 800-531-0341

For TTY devices, dial 711

Hours of operation for USAA Bank loan officers

Monday to Friday
7 a.m. to 8 p.m. CT
Saturday and Sunday
Closed

Note: Days and times may vary

VA Jumbo Interest Rate Reduction Refinance Loan (IRRRL)

Refinance up to 100% of the value of your home, with an option to finance the funding fee.‍ ‍

Call for jumbo VA IRRRL rates.

Call 800-531-0341

For TTY devices, dial 711

Hours of operation for USAA Bank loan officers

Monday to Friday
7 a.m. to 8 p.m. CT
Saturday and Sunday
Closed

Note: Days and times may vary

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Get cash out by trading in your home’s equity.

VA cash-out refinance loan‍ ‍,‍ ‍

§%
Interest rate‍ ‍

§%
APR‍ ‍

Points §

  • Refinance up to 90% of the value of your home.
  • Option to finance the funding fee.‍ ‍

Call 800-531-0341

For TTY devices, dial 711

Hours of operation for USAA Bank loan officers

Monday to Friday
7 a.m. to 8 p.m. CT
Saturday and Sunday
Closed

Note: Days and times may vary

Conventional cash-out refinance loan‍ ‍,‍ ‍

§%
Interest rate‍ ‍

§%
APR‍ ‍

Points §

  • Refinance up to 80% of the value of your home.

Call 800-531-0341

For TTY devices, dial 711

Hours of operation for USAA Bank loan officers

Monday to Friday
7 a.m. to 8 p.m. CT
Saturday and Sunday
Closed

Note: Days and times may vary

VA jumbo cash-out refinance loan

Refinance up to 90% of the value of your home. Apply for up to $500,000 cash-out limit.‍ ‍,‍ ‍

Call for VA jumbo cash-out rates.

Call 800-531-0341

For TTY devices, dial 711

Hours of operation for USAA Bank loan officers

Monday to Friday
7 a.m. to 8 p.m. CT
Saturday and Sunday
Closed

Note: Days and times may vary

Find a payment that works for you.

Use our calculator to find a monthly payment that may work for you and your budget.

Go to the mortgage calculator

Why choose us

Top VA home loan lender‍ ‍

USAA Bank ranks as one of the top VA mortgage lenders.

20+ years of experience

USAA Bank has more than 20 years of experience with VA home loans.

Over a century of service

We’ve served the military since our founding in 1922.

Not a member? Join USAA

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Related footnotes:

  1. USAA Bank does not offer a cash out refinance product in the state of Texas.

  2. VA loans may include a funding fee, which may be financed up to the maximum allowed loan amount.

  3. The advertised rates and points are subject to change without notice at any time and are not available to every borrower. The advertised rates are based on certain assumptions and loan scenarios, and the rate you may receive will depend on your individual circumstances, including your credit history, loan amount, down payment and our internal credit criteria. The advertised rates are based on a fixed rate mortgage loan and rates will vary based on the term of the mortgage loan and property location. Other rates, points, and terms may be available. All loans are subject to credit and property approval. Property insurance is, and flood insurance may be, required.

  4. APR (Annual Percentage Rate) is a rate used to calculate your cost of borrowing in a year. Unlike interest rates, APR factors in the amount borrowed, the interest rate, points, one-time fees, and discounts to determine a more accurate yearly cost. The standardized APR formula is used to make it easier for consumers to compare rates at different businesses.

  5. USAA Federal Savings Bank does not currently offer Conventional mortgage loans in the state of Hawaii.

  6. In 2025, USAA Federal Savings Bank originated the 12th highest total of VA home loans and in the top 13 lenders for the highest amount of VA loan volume among more than 1,000 lenders. Source: Department of Veterans Affairs Lender Statistics(Opens new window).

Related footnotes:

  1. Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change. To join USAA, separated military personnel must have received a discharge type of Honorable or General Under Honorable Conditions. Eligible family members may also join USAA.

  2. USAA Federal Savings Bank offers mortgage products to members where the property is located within the Continental United States, Alaska, Hawaii, and the District of Columbia. Excludes properties within U.S. Territories. In certain states, product restrictions may apply.

  3. A home loan refinance may be useful for many customers who want to lower their monthly debt payments. However, a refinance is secured by your home, has closing costs and may ultimately require paying more in interest over time.

  4. VA IRRRL: All VA rules, guidelines and additional program requirements will apply. Except as provided by applicable VA guidelines, the same parties obligated on the original loan must be the parties on the title and obligated on the new loan. Proceeds from the new loan will only be used toward payment of the original loan amount. No cash back can be received from the new loan. Payment of discount points, taxes, insurance and HOA fees are the responsibility of the borrower. Other exclusions apply. Refinancing either to lower the monthly payment or change from a variable-rate to a fixed-rate loan could result in an increase in the total number of monthly payments and interest charges paid over the full term of the new loan.

  5. Members must meet all VA eligibility requirements when applying for a VA loan. Speak with a USAA Federal Savings Bank Loan Officer to review current VA eligibility requirements.

  6. Home loans subject to credit and property approval.

  7. "USAA Bank" means USAA Federal Savings Bank.

  8. Bank products offered by USAA Federal Savings Bank.

  9. USAA is an Equal Housing Lender

  10. USAA FSB NMLS 401058

6028968