Streamline VA Loan - Refinance - IRRRL - Mortgage IRRRL Facts - Streamline Refinance VA Home Loan - Veterans IRRRL stands for Interest Rate Reduction Refinancing Loan. You may see it referred to as a "Streamline" or a "VA to VA." Except when refinancing an existing VA guaranteed adjustable rate mortgage (ARM) to a fixed rate, it must result in a lower interest rate. When refinancing