Lower Your VA Loan Rate Today
Veterans and service members can save thousands with today’s VA refinance options. No hidden fees.
Why Refinance?
Lower Monthly Payments & Immediate Savings - Refinancing into today’s lower VA rates can reduce monthly payments, putting hundreds of dollars back in your pocket each month.
Fast, Simple, and Hassle-Free Process - VA refinance is designed to be streamlined and efficient — in many cases requiring no appraisal, no income verification, and minimal paperwork. That means you can lock in your new lower rate and start saving in weeks, not months.
Access Your Home’s Equity – Tax-Free - Decide to tap into your home equity to pay off high-interest debt, fund home improvements, or cover major expenses — all at VA loan rates that are usually lower than credit cards or personal loans.
Maximize Your VA Loan Benefit With Rates at 3 Year Lows!
Low Rates
On average, VA refinance rates run about 0.25%–0.50% lower than conventional refinance rates, though the exact difference depends on your unique situation.
At Nichols Home Lending, our refinance rates are often lower than standard market averages, which means more savings in your pocket.
Who's This Perfect For
Borrowers struggling with high monthly payments
Current va loan holders wanting lower rates
veterans seeking to cash out home equity
veterans who previously used their va loan benefit
veterans looking to shorten their loan term
veterans needing to consolidate high-interest debt
About Nichols Home Lending
"As an Air Force veteran and a dedicated family person, I’ve been happily married for 27 years and am a proud parent of five—three wonderful daughters and two amazing sons. With 27 years in the mortgage industry, I’m honored to be among the top 1% of originators, consistently recognized with the 5 Star Professional Award for the past decade. My passion lies in navigating the complexities of the mortgage process, particularly in securing solutions for challenging loans. Outside of work, I’m the main cook at home, where I enjoy creating delicious meals for my family. My life is driven by a commitment to excellence, both in my professional achievements and in nurturing my family."
See What They Are Saying
"Jon and his staff were great to work with. Everything went as expected. Brittany and Eric did great jobs interfacing with the underwriter. Would definitely use Jon and his crew again."
Nylis R.
"Jon and Mariah were the best they understood my situation with my bankruptcy a disabled vet 1st time buyer I close within 30 days. Wow loan depth is the best. I highly recommend working with Maria and jon they told me from the beginning I was good and they came through to my vets please call them if you want a house thanks again stay blessed."
myweeg66
Ready to Save on Your VA Loan?
Disclaimer: Rates and terms are subject to change without notice and may vary based on creditworthiness, loan amount, loan purpose, occupancy, property type, and other factors. The rates shown are for illustrative purposes only and are not a commitment to lend. Not all applicants will qualify. All loans are subject to underwriting approval. Additional terms and conditions may apply. For the most accurate rate quote, please complete a full loan application and speak with a licensed mortgage professional.
Jon Nichols | Mortgage Broker | Nichols Home Lending | NMLS #211393