🚨 Veterans, beware of “too good to be true” mailers! A VA IRRRL at 4.99% doesn’t exist right now. These lenders use bait-and-switch tactics and charge huge points. VA also requires you recoup costs within 36 months—so you’ll never truly get that rate. DM me your mailer and I’ll break down the real numbers. #VAMortgage #VARefinance #VABenefits #MortgageMandy #Veterans #MortgageEducation | Mandy Phillips, Mortgage Loan Originator

When you refinance your VA loan with an IRRRL, or VA streamline loan, the VA requires that the closing costs will be recouped by your monthly savings within 36 months. In today's video, we're giving you some tips on how you can recoup your closings costs even faster, because the faster you recoup, the sooner you can actually start saving. #VALoan | Low VA Rates | Facebook

3.2K views |  Thinking about refinancing?  ✅ Lock in today’s rate before they climb. ✅ Save on monthly payments with a VA IRRRL. ✅ Explore “no-cost” options to ease upfront costs. But remember—refinancing isn’t one-size-fits-all. Rates could drop further, and there are costs to consider. Let’s find out if it’s the right move for you!  Reach out today to explore your options. | Low VA Rates | Facebook