Is Refinancing Available for FHA, VA, Jumbo, or USDA Loans?
Updated 12 days ago (March 6, 2026)
Yes. Refinancing is available for all of these types of loans. For example, you can refinance your FHA loan without a minimum credit score, and still potentially gain benefits and save money by doing so.
Qualifying borrowers can apply for a VA refinancing program, known as the Interest Rate Reduction Refinance Loan (IRRRL), which also does not require a minimum credit score.
The USDA has a similar program which does not even require a credit score report.
Jumbo loans also can be refinanced, but under different circumstances than the government-backed loan programs. Jumbo loans generally require a higher credit score, including a minimum score of 660, as well as a minimum DTI rate of 43%. The overall requirements for refinancing a jumbo loan are generally higher than for conforming loans with comparable rates.
Tellus TIP:
Note that you can also refinance these loans into conventional loans, though the rates and loan terms available in each case will vary.
Financial Disclaimer: Tellus provides this content for informational purposes only. This is not financial advice. Financial returns and mortgage terms vary based on individual circumstances and market conditions. Consult a qualified financial advisor before making financial or borrowing decisions.