Why Your Current Lender Is Costing You Money

August 11, 2026

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Published By

David Ghazaryan

Owner / Broker / Banker

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(702) 766-3744

NMLS 1486726

TL;DR

This guide explains that veterans are not obligated to use their current lender for a VA Interest Rate Reduction Refinance Loan (IRRRL). Shopping for an IRRRL with multiple lenders is a key strategy for securing better terms.

Key takeaways include:

You have a choice: You can work with any VA-approved lender, not just your current one.
Comparison is key: Getting quotes from different lenders creates competition that can lead to a lower interest rate and reduced fees.
Understand the details: Learn how to properly compare official loan offers, identify potentially hidden costs, and calculate the financial benefit of refinancing.

Read the full blog article here: https://www.iqratemortgages.com/blog/must-i-use-my-lender-for-a-va-irrrl-in-florida

Video Transcript:

Your current lender’s refinance offer might not be your best. As David Ghazaryan, I build systems that make lenders compete. Their ‘no-cost’ refinance just adds fees to your new loan. Use their Loan Estimate form to see all hidden costs. Restarting your loan clock means you pay more over time. See the complete breakdown on my platforms. Links are below.

Read Blog Here: https://www.iqratemortgages.com/blog/must-i-use-my-lender-for-a-va-irrrl-in-florida

David Ghazaryan

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