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You served with strength. Save with purpose.

You’ve worked hard to build your life - now your VA benefits can help make it a little easier. Whether you want to lower your monthly payment or free up some cash, Rocket Mortgage® is here to help you use what you’ve earned.

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Why veterans choose Rocket for VA refinance

Exceptional savings

Your VA loan benefits unlock lower rates, special savings, and down payments as low as $0

A simple process

Serving those who served for us, we’ll help you gather what’s needed and make the process a pleasure

Your trusted partner

Work with trusted companies like Rocket to avoid scammers who target veterans

Explore VA loans
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Veterans are part of our culture and company

They’re our clients, our colleagues, and our neighbors

Rocket Veteran Program

Veteran talent powers our company. We’ve made hiring veterans a priority since 2012

Job training and veteran internships

Service members gain valuable work experience through our paid Tour of Duty internships and Skillbridge partnership

Ending veteran homelessness

We’re a lead sponsor of Built for Zero, a national movement that has helped house over 54,000 veterans

Our commitment to veterans

Hear from military families who chose Rocket Mortgage

Best VA loan mortgage provider I have ever used. Appreciate guidance and banker advice that streamlined the loan to my exact needs with a lower interest rate.

Anthony E.

Rocket Mortgage was very helpful from start to finish...The whole process took less than a month...for a VA loan. Overall, I like that Rocket services its own loans, not selling to others like many lenders. Thank you Rocket for making it an easy and pleasant process.

H.G.L.

Rocket Mortgage was so fast and supportive. All my questions were quickly and thoroughly answered...[and] they helped my family understand additional veteran property tax reductions we were eligible for but unaware of. Thank you sooo much Rocket Mortgage!!! You saved us a bundle of money.

Erin S.

Rocket Mortgage was fantastic!...We started with another bank that holds itself out as friendly to families of U.S. Military. We jumped to Rocket Mortgage, told them the situation and they got it done in two weeks and we closed on time. Outstanding!

Christopher G.

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“You’ve got military time that counts, let’s use it.”

In this video hear from Robert B., a VA loan client who didn’t think his service qualified. But we showed him it did so he could get the home he wanted – and more.

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Frequently asked questions from military families on refinance

You can also get help from a Home Loan Expert

(888) 452-8179
Can I use my VA loan benefit more than once?

It’s a common misunderstanding that you can only use your VA home loan benefit once.



The truth is you can use your VA home loan benefit many times throughout your life. The misunderstanding may come from the guideline that VA-backed loans should be used on primary residence. That means that usually you can only have one VA home loan at a time.



There are some exceptions. For example, if you are moving due to a permanent change of station (PCS) order, you can own two homes with two different VA loans for a limited time.



There are other situations where you might have two VA loans at the same time. Learn more about how many times can you use a VA loan at our Learning Center. If you want answers to specific questions about your situation, reach out to us and ask for one of our VA loan experts.

 What should I know about refinancing and VA loans?

VA loans don’t just come with benefits for home buyers. Eligible homeowners can benefit too, whether you have a VA loan now or refinance to one.

Use more of your home equity. Equity is the difference between the value of your home and what you owe on it. With a conventional loan, you typically can only access up to 80% of your home equity. A VA loan can allow you access 100%.

Take cash out with lower credit than other loans. Your credit can be as low as 580 to take cash out, compared to 620 for other loan types.

 How is a VA loan different from other home loans?

The main thing that sets VA loans apart is they’re only available to eligible service members, veterans and surviving spouses. That’s because they’re backed by the U.S. Department of Veterans Affairs (VA). Here are some other ways VA loans are different.

  • You need a Certificate of Eligibility from the VA to show lenders you qualify for a VA loan.
  • In most cases, you won’t need a down payment to buy a home. Don’t forget you’ll still need funds for closing costs.
  • You won’t pay private mortgage insurance on a VA loan. Instead, you may have to pay the VA Funding Fee.

These articles will help you learn more about how VA loans compare to other home loans. 

FHA vs. VA loans: what's the difference, and which one is best for you?
 VA loan vs. conventional loan: What's the difference?
 What’s a VA streamline refinance for?

The interest rate reduction refinance loan (IRRRL), also called a VA streamline refinance, is for people in the following situation:

  • Already have a VA loan
  • Want a lower interest rate to get a lower monthly mortgage payment
  • Or want to change from an adjustable-rate mortgage to a fixed mortgage

It’s called “streamline” because you typically don’t need an appraisal and there’s often less paperwork compared to just refinancing. Your credit can be as low as 580 to refinance using the IRRRL.

Unfortunately, you can’t take cash out with a VA streamline refinance. Whatever your goal, if you’re exploring refinancing we’ll help you know all your options and most importantly, if refinancing is right for you.



Learn more about VA streamline refinance.

 Get VA loan tips

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 Visit our learning center
Two young parents in jeans lounge on a gray couch while watching their two children drawing together on the floor.

4-minute read

How many times can you use a VA loan?

A middle-aged white couple cuddle together on a couch while looking at a laptop.

7-minute read

VA cash-out refinance: what is it and how it works

An olive colored one storey house with blue sky background.

5-minute read

How VA mortgage rates are set

Visit our learning center

It’s an honor to serve you

Serving those who served for us, we’ll help you maximize your VA loan benefits and bundle discounts to get the most out of your home equity

Start the conversation

Rocket Mortgage is a VA-approved lender, not endorsed or sponsored by the Dept. of Veterans Affairs or any government agency.

Refinancing may cause finance charges to be higher over the life of the loan.

†Clients who lock their rate between May 19, 2025, and June 2, 2025, by 8:00 am ET, will receive a one-point discount on the rate’s pricing as a lender credit toward closing costs. A point is equal to 1% of the loan amount. Not valid with other discounts or promotions. Valid on first lien, retail fixed VA products. Not valid for loans through Rocket Pro, Partnerships, team member loans, or by an Executive Loan Officer. Acceptance of this offer means acceptance of these terms, which may be cancelled or changed at any time at the discretion of Rocket Mortgage. Non-transferable. Not a commitment to lend. Additional restrictions/conditions may apply.

¹Client will be required to pay a 1% down payment, with the ability to pay a maximum of 3%, and Rocket Mortgage will cover an additional 2% of the client’s purchase price as a down payment, or $2,000. Maximum grant amount is $7,000. Offer valid on primary residence, conventional loan products only. Maximum loan amount of $350,000. Cost of mortgage insurance premium passed through to client effective January 2, 2024. Offer valid only for home buyers when qualifying income is less than or equal to 80% area median income based on county where property is located. Not available with any other discounts or promotions and cannot be retroactively applied to previously closed loans or loans that have a locked rate. This is not a commitment to lend. Rocket Mortgage reserves the right to cancel/modify this offer at any time. Additional restrictions/conditions may apply.