AS A MARINE FATHER, I KNOW WHAT VETERANS GO THROUGH
The VA IRRRL: the Fastest Way to Reduce Your Mortgage Payments
Mark is a Veteran who purchased his first home in June 2025. To secure the house he wanted, he locked in a market rate of 6.125%. But when the market improved, he didn’t sit on the sidelines—he utilized the VA IRRRL (Interest Rate Reduction Refinance Loan).
Often called the "VA Streamline," this program is unique because it strips away the red tape. Unlike a traditional refinance, Mark didn’t need a new home appraisal or complex income verification. The VA simply requires a "Net Tangible Benefit," meaning the new loan must mathematically put the Veteran in a better position.
The process was fast and frictionless. We dropped Mark’s rate to 5.54%, decreasing his total monthly mortgage payment by 6.3%. He kept his home, rolled the minimal costs into the loan, and immediately increased his monthly cash flow. If you currently have a VA loan, the IRRRL is the fastest tool to lower your rate without the headache of a full qualification process.
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Matt helped us through a tricky mortgage situation. I highly recommend him for those with non-traditional jobs/income. We are happily in our new home because of his hard efficient work.
samara parker
Matt is experienced and professional; he guided us through all of the steps of the loan application process. He created spreadsheets showing all of the cost calculations associated with different... read more
Kimberly Houldsworth
Matt was very helpful with helping us find a mortgage. He took the time to answer all our questions and clearly explained everything. He was on top of everything and... read more
Tim Cuellar
As first time homebuyers facing the highest interest rates in years and a very competitive Boston housing market, we were very intimidated by the mortgage process. Matt immediately put us... read more
Maya Ginga
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Matt is an excellent lender with a strong track record. He’ll ensure you have all the information needed to make the best decisions regarding your property’s equity.
Celeste Samonte
Matt was a pleasure to work with on our mortgage needs. I’m a business owner and my taxes and income can be complicated. He was both patient... read more
Gregory Wu
Matt is incredible - to say that he goes over and beyond is an understatement. I worked with Matt on purchasing a home (after he was referred to me with... read more
Felisa
Matt did a fantastic job educating us through every step with refinancing our home. Matt is very professional, knowledgeable and patient taking time to ensure we understood all transactions. From... read more
Veronica Gilbert
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Matt did a fantastic and thorough job walking us through the mortgage process from start to finish. We highly recommend working with him for anyone looking to buy a home!
Shuv Dey
Matt is an extreme pleasure to work with. He is patient, extremely knowledgeable and very capable of navigating all the issues with compliance and underwriting that arise. He has... read more
Dan Robitaille
Matt Silverman was very helpful in helping me figure out the process of buying a home. From the onset of my brother putting me into contact with him though final... read more
Jeffrey Breault
I am so grateful for all of Matt’s help with processing our mortgage. He was accessible and available to help with all our questions and concerns. Matt made... read more
Robin Coughlan
