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★ #1 AI-Powered Mortgage Lender in New Mexico

[![Go AI Mortgage logo](/assets/logo-colored-By9GkrRA.png)Go AI Mortgage ](/)

[Home](/)

Loan Programs 

[Home Purchase](/home-purchase)[Calculator](/calculator)[About Leland](/about)[Contact](/contact)[Get Started →](/contact)

[Get Started](/contact)

1.  [Home](/)
2.  [Loan Programs](/loans)
3.  VA 

Interest Rate Reduction Program

# VA  Streamline  
Program

The VA IRRRL, also known as a VA Streamline, is designed exclusively for veterans with existing VA-backed homes to reduce their interest rate or convert from an adjustable-rate to a fixed-rate with **minimal paperwork and hassle**.

[Get Started →](https://partner.goaimortgage.com/va-reduction)

* * *

## Key Program Features

-   No appraisal required in most cases 
-   No income verification or credit check (non-credit qualifying) 
-   No out-of-pocket costs — closing costs can be included 
-   Low funding fee: 0.5% (waived for veterans with service-connected disabilities) 
-   No PMI required 
-   Can close in as few as 30 days 

## Eligibility Requirements

-   Must have an existing VA-backed home 
-   Must wait at least 210 days from first payment date (seasoning requirement) 
-   Must have made at least 6 consecutive monthly payments 
-   No more than one 30-day late payment in the past 12 months 
-   New terms must provide a net tangible benefit (lower payment) 
-   Property must have previously been your primary residence (investment properties may qualify) 

* * *

Simple Process

## How It Works

1.  ### **Step 1:** Check Eligibility
    
    Takes 2–3 minutes. No credit impact to check eligibility. Secure & confidential.
    
2.  ### **Step 2:** Leland Reviews
    
    We review your current situation and identify your potential savings and options.
    
3.  ### **Step 3:** Close Fast
    
    With minimal paperwork and no appraisal in most cases, you could close in 30 days.
    

* * *

Take Action 

## Ready to Lower Your VA Payment?

Takes 2–3 minutes. No credit impact. Secure & confidential.

[Find Out More ](https://partner.goaimortgage.com/va-reduction)[Contact Us ](/contact)

Available Monday–Friday 8AM–6PM · Saturday by appointment 

![Go AI Mortgage logo](/assets/logo-colored-By9GkrRA.png)Go AI  Mortgage 

Firehouse Mortgage LLC

Built on service. Driven by integrity.

NMLS # 2041465

Quick Links

-   [Home](/)
-   Loan Programs 
-   [Home Purchase](/home-purchase)
-   [Calculator](/calculator)
-   [About Leland](/about)
-   [Contact](/contact)

Contact

[+1 (505) 514-2430 ](tel:+15055142430)[leland@trustdm.com ](mailto:leland@trustdm.com)

4708 Lewisburg Ct NW  
Albuquerque, NM 87120 

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[](https://www.linkedin.com/in/leland-locke-129324149)

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Firehouse Mortgage LLC is a licensed mortgage company in the state of New Mexico. This is not a commitment to lend. All loans subject to credit approval. NMLS #2041465. Not affiliated with or endorsed by any government agency.