VA IRRRL Calculator
For Nebraska Veterans

Lower Your Rate.
​Lower Your Payment.

Keep more of Your Money.

If you got your VA loan between 2023 and 2025, you might be paying more than you need to. Our Strike Rate system lets you set your target rate and we'll notify you when the market hits it.

VA IRRRL Specialist
​Veteran-focused Refinancing

Local Nebraska Broker
​Licensed only in Nebraska

No Pressure Approach
​You control the timeline

Set Your Strike Rate
See Potential Savings

Why Veterans Are Refinancing Now

If you locked in a VA loan during 2023-2025, you might still be paying a higher rate than what's available today. Thousands of veterans are taking advantage of lower rates to reduce their monthly payments.

0.5% Minimum Reduction

VA Requires a minimum of a 0.5% Minimum Reduction to your current rate

5.000% (5.196% APR) 

Estimate based on a 30 Year VA IRRRL loan amount of $365,000, credit score of 740, lock period of 22 days. Discount fee of 1.081%

*Rate quote as of 01/16/2026, 9:39 AM Central. Rates subject to change

2-3 Weeks

Average time to close a 

VA IRRRL streamline

Hear What Our Satisfied Customers Have to Say


Introducing the 
​Strike Rate System

Stop obsessing over daily rate changes. With our Strike Rate system, you set your target interest rate, and we notify you when market conditions hit your goal. No pressure. No FOMO. Just smart refinancing on your timeline.

Set Your Target

Tell us what rate or monthly savings amount you want to acheive

We Monitor Daily

Our system tracks market rates for you


You Get Notified

Lock your rate when it hits your target


VA IRRRL Refinancing Made Simple, Transparent, and Veteran-Focused

No Appraisal Required

VA IRRRL doesn't require a new appraisal in most cases. Save time, money, and hassle by skipping the property inspection entirely.

No Income Verification*

In many cases, you don't need to provide pay stubs, tax returns, or employment verification. We streamline the process so you can close faster.

Lender Credits Available 

There is a possibility of lender credits to reduce or eliminate your out-of-pocket closing costs. We'll explain exactly how this works and what it means for your strategy.

Flex Term Options 

Keep your current payoff timeline while lowering your monthly payment. Flex Terms let you maintain your current amortization and goals without extending your loan unnecessarily.

Set Your Rate Now

Real Savings

See how much a Nebraska Veteran could save with an IRRRL refinance

 Current Loan
 New Loan (IRRRL) 
Loan Balance:$425,000New Loan Amount:$435,000
Interest Rate:6.75%Interest Rate:5.5%
Monthly Payment (P&I): $2,918APR: 5.65%
Remaining Term:28 YearsMonthly Payment:$2,540
  New Term:28 Years
 Monthly SavingsAnnual Savings
$378$4,536

*This rate information is for educational purposes only and is not a commitment to lend, an offer to extend credit, or an approval for any mortgage loan. All loans are subject to credit approval, underwriting review, and verification of property and borrower information. Rates, terms, and availability may change without notice. Scenario above assumed a 720 credit score and exempt from funding fee. Pricing as of 12/24/2025

Click Here to See for Yourself

Nebraska Local.
​Veteran Focused.

We're not a national call center. We're Capital City Mortgage, a Nebraska-only broker based right here in Lincoln and Omaha. We specialize in helping veterans like you get the best VA loan terms without the pressure tactics or hidden fees you'll find with big national lenders.

Licensed only in Nebraska — we know the local market

Veteran-friendly culture and team members

No high-pressure sales tactics or artificial urgency

Transparent pricing — we explain every cost clearly

Direct access to local loan officers, not call centers

Serving all of Nebraska
Our local team understands Nebraska real estate, Nebraska veterans, and Nebraska values. We're here when you need us.

Veteran-First Approach
We understand VA benefits because we work with veterans every day. No confusing jargon, no bait-and-switch, just honest guidance.

Transparent & Ethical
Every cost is clearly explained. Every option is honestly presented. Your best interest is our only priority.

​​Set Your Strike Rate Today

See if You Qualify for Lower Payments — Free VA Rate Strategy Report

No obligation. No pressure. Just honest guidance.

Ready to lower your rate?

Contact us today to get your free, no-obligation rate analysis and see how much you could save.

(402) 489-2099

Lincoln Office

NMLS# 3320

237 S 70th St., Ste. 206

Lincoln, NE 68510

SEE ON MAP

Omaha Office

NMLS# 2392854

11329 P St., Ste. 103

Omaha, NE 68137

SEE ON MAP

Capital City Mortgage, Inc., NMLS# 3320 - www.nmlsconsumeraccess.org
237 S 70th St., Ste. 206
Lincoln, NE 68510

www.NebraskaMortgageLoans.com

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