Lower Your Rate. Keep It Simple. Close with the CEO.
If you already have a VA loan, the VA IRRRL — also known as the VA Streamline Refinance — is the fastest, easiest way to lower your interest rate and monthly payment in California.
At California Mortgage Direct, you won’t be passed around or stuck on hold with a call center. You’ll work directly with Joseph S. Restivo, the President & CEO of American Mortgage Network, who personally originates every VA IRRRL refinance we do.
✅ What Is a VA IRRRL?
The Interest Rate Reduction Refinance Loan (IRRRL) is a special VA-to-VA refinance program that allows eligible borrowers to:
- Refinance their current VA loan
- Lower their interest rate and monthly payment
- Skip the appraisal and income verification in most cases
- Close faster with less paperwork
It’s one of the most streamlined and cost-effective refinance options in the mortgage industry.
💥 Key Benefits of the VA IRRRL
- ✅ No Appraisal Required (in most cases)
- ✅ No Income or Employment Verification
- ✅ No Out-of-Pocket Closing Costs (can be rolled into the loan)
- ✅ No VA Entitlement Impact
- ✅ No Prepayment Penalty
- ✅ Fast Closings — as little as 10–14 days
📌 Who Qualifies for a VA IRRRL?
To be eligible for a VA IRRRL, you must:
- Already have an existing VA loan
- Be current on your mortgage payments (with no 30-day late payments in the last 12 months)
- Show a net tangible benefit — meaning your new loan must have a lower monthly payment or rate
- Refinance into another VA loan on the same property
Not sure if you qualify? Let Joseph review your eligibility and give you an honest answer — no pressure.
🏡 Why Refinance Now?
Even in a fluctuating market, the VA IRRRL remains one of the smartest tools to:
- Lower your payment
- Switch from an ARM to a fixed-rate loan
- Add a co-borrower or remove someone post-divorce
- Extend or shorten your loan term
- Protect your financial future with a lower, stable monthly payment
🧑✈️ Why Choose California Mortgage Direct?
| Feature | What You Get |
|---|---|
| 🧑✈️ Work directly with Joseph S. Restivo, CEO | No call centers, no delays — just direct access |
| 🧠 Over 25 years of VA lending experience | Joseph personally oversees every VA refinance |
| 📍 Licensed in all 58 California counties | From San Diego to Sacramento, we’ve got you covered |
| ⚡ Streamlined digital process | Close in as little as 2 weeks — fully remote & secure |
| 💬 Real support, real answers | Transparent guidance from start to finish |
💬 What Our Clients Say
“The VA IRRRL with Joseph was so fast I almost didn’t believe it. No appraisal, no stress — we closed in 12 days.”
— Jason P., Army Vet, Orange County
“I’ve never worked with a CEO before. Joseph explained everything clearly and helped me lock in a lower rate while saving over $400 a month.”
— Sandra M., Navy Spouse, Chula Vista
🔒 Let’s Lower Your Rate Today
Don’t wait to take advantage of this benefit. The VA IRRRL is designed to reward your service with a simpler, smarter refinance.