General Notices
This is not a commitment to lend. All loans are subject to credit approval. Not all applicants will qualify. Eligibility is subject to review of your specific loan details and guidelines. VALoanUpdate.com is a digital brand owned and operated by Affinity Mortgage, LLC. Affinity Mortgage, LLC is a VA-approved lender but is not a government agency and is not acting on behalf of or at the direction of the Department of Veterans Affairs or the Federal Government. EQUAL HOUSING LENDER
Rate Assumptions
Interest rates, APRs, and monthly payment estimates displayed are for educational purposes only. They do not constitute an official Loan Estimate or a commitment to lend. Rates assume a borrower with a credit score of 740 or higher, an owner-occupied primary residence, and a Loan-to-Value (LTV) ratio appropriate for the selected product. Example assumes a 30-year fixed VA IRRRL unless otherwise stated. APR may differ from interest rate. The APR reflects the total cost of credit, including certain fees, and may be higher than the interest rate.
VA IRRRL (Streamline) and Loan Specifics
Estimates assume the borrower has an existing VA-guaranteed loan. Payment Deferral refers to the potential deferment of payments during the closing cycle; interest still accrues during this period which could increase your total loan amount. No Appraisal - Most VA IRRRLs do not require a new appraisal, though the lender reserves the right to require one depending on the specific loan file. $0 Due at closing / Zero out-of-pocket (optional) - This indicates that standard closing costs and pre-paid items (taxes/insurance) are rolled into the new loan balance rather than paid in cash at the closing table. This increases the total loan amount and the total interest paid over the life of the loan. No income documentation - Income verification is generally not required for most borrowers in VA Streamline Refinance transactions, subject to investor requirements. Escrow balance refund - After your existing loan is paid off, the remaining balance in your old escrow account will be refunded to you by your previous lender. A new escrow account will be established for the new loan, if required, and those needed escrow funds can be financed into your new loan which will increase your final loan balance. New Estimated Payment - is an estimate of principal and interest (P&I) only, it does not include amounts for property taxes or homeowner's insurance; your actual total monthly payment will be higher. Original Loan Amount - is based on the original loan amount supplied by you, or from publicly available data and may not reflect your current principal balance. VA Funding Fee - The calculator allows you to toggle the standard VA Funding Fee (0.5% for IRRRLs). If you have a service-connected disability rating of 10% or higher, you are typically exempt from this fee.
Estimated Savings
The Estimated Payment Savings "per month", "1st Year Savings", "5-Year Savings" and "10-Year Payment Savings" figures are estimates for illustrative and comparison purposes only. They are calculated by comparing the new projected principal and interest (P&I) payment against an estimated current P&I payment. We calculate your current payment using the "Original Loan Amount" and interest rate you provided, or using assumed interest rates from publicly available economic data. Your actual savings will vary and are not guaranteed. These figures do not constitute a commitment to lend or a guaranteed offer.
Variable Rate (ARM) Information
Option 3 is a 5/1 Adjustable Rate Mortgage (ARM). The interest rate is fixed for the initial 60 months. After the initial fixed period, the rate may adjust annually based on the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year (Treasury Index), plus a margin of 1.75%. Any rate increase could result in a higher monthly payment.
Total Cost of Credit
The "New Estimated Payment" reflects the monthly principal and interest. The total of all payments made over the full 360-month term will vary based on the final loan amount, interest rate, and whether closing costs are financed into the loan.
Review Disclosure
1000+ 5-Star Reviews - Total of 5-Star reviews for Affinity Mortgage LLC from Google, Shopper Approved, LendingTree, Zillow, and others. Customer reviews have been adapted from verified testimonials on Google, Shopper Approved, and LendingTree. Reviews may be edited for length, clarity, and privacy. Original sentiment and ratings are preserved. 100% Recommend Rating provided by LendingTree. Affinity Mortgage LLC, while not accredited by the Better Business Bureau, has an A+ rating by the Better Business Bureau.
National & State Licensing
Affinity Mortgage, LLC., NMLS #2579, is a Kansas Licensed Mortgage Company MC.0002258. 8725 Rosehill Road, Suite 109, Lenexa, KS. 66215. Phone: (913)469-0777, Fax: (913)498-8467
Affinity Mortgage Loans LLC., 435 Nichols Road Suite 200, Kansas City, MO. 64112, NMLS ID: 1222297, Missouri license # 12-1709
Affinity Mortgage LLC., 805 Country Club Dr, Heath, TX. 75032
Individual State license identifiers: California 603K604, Colorado MB100020373, Florida MLD1153, Kansas MC.0002258, Maryland 06-20424, Minnesota MN-MO-2579, Missouri 16-1707, Nebraska license 1812, Oklahoma ML002629, South Carolina-DCA, Tennessee 188161, Texas-SML, Virginia MC-5635, Washington CL-2579.
TEXAS DISCLOSURE: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.
Privacy Policy
Last Updated: February 12,2026
This Privacy Policy applies to affinityhomeloan.com and all associated digital brand properties operated by Affinity Mortgage LLC, including VALoanUpdate.com (collectively, "our websites").
Our Commitment to Your Privacy
Affinity Mortgage LLC ("Affinity Mortgage," "we," "us," or "our") is committed to protecting the privacy and security of your personal information. We do not sell, rent, trade, or share your personal information with third parties for their own marketing or commercial purposes — period. This policy explains what information we collect, how we use it, and your rights regarding that information.
Information We Collect
We collect nonpublic personal information ("NPI") about you from the following sources:
Information you provide directly, such as your name, address, phone number, email address, Social Security number, income, employment information, credit history, and loan details submitted via our websites, by phone, or in person.
Information about your transactions with us, including loan applications, payment histories, account activity, and correspondence.
Information we receive from third parties in connection with processing your loan, such as credit reports from consumer reporting agencies, employment verifications, and property appraisals.
Information collected automatically when you visit our websites, such as your IP address, browser type, device information, pages visited, and time spent on pages. This information is collected through standard web server logs and, if applicable, analytics tools. See the "Cookies and Tracking" section below.
How We Use Your Information
We use your personal information solely to conduct our mortgage lending business, including to process and service your loan application, communicate with you about your loan inquiry or account, comply with applicable federal and state laws and regulations, prevent fraud and maintain the security of our systems, and improve the quality of our services and website experience.
We do not use your information for any purpose beyond these legitimate business functions without your explicit consent.
Information We Share — and Don't Share
We do not sell your personal information. We do not share your personal information with third parties for their own marketing purposes. We do not share your information with lead aggregators, advertising networks, or data brokers.
We may share your information only in the following limited circumstances: with service providers who assist us in operating our business and processing your loan (such as title companies, appraisers, credit reporting agencies, and technology vendors), strictly under contractual confidentiality obligations; with government-sponsored enterprises (such as Ginnie Mae) as required in connection with VA loan transactions; as required by law, regulation, court order, or government authority; and to protect the rights, safety, or property of Affinity Mortgage, our customers, or the public.
All third parties with whom we share information are contractually prohibited from using your information for any purpose other than the specific service they are providing to us.
GLB Act / Regulation P Notice
As a mortgage lender, Affinity Mortgage LLC is a financial institution subject to the Gramm-Leach-Bliley Act (GLB Act) and Federal Reserve Regulation P. Under these laws, we are required to inform you of our privacy practices with respect to your nonpublic personal information.
Categories of NPI we collect: Identifying information (name, address, Social Security number), financial information (income, assets, credit history), and transaction information (loan details, payment history).
Categories of NPI we may disclose: We disclose NPI only as described in the "Information We Share" section above — to service providers necessary to process your loan, to government agencies as required by law, and as otherwise required or permitted by the GLB Act.
Your opt-out right: Federal law gives you the right to limit some but not all sharing of your personal information. Because we do not share your NPI with non-affiliated third parties for marketing purposes, there is no opt-out election required. If our practices change, we will update this notice and provide you with opt-out rights as required by law.
Annual notice: Affinity Mortgage provides this privacy notice annually to our customers as required by Regulation P. Existing customers will receive this notice by mail, email, or as permitted by the GLB Act's "notice on request" exception if our privacy practices have not changed.
Your California Privacy Rights (CCPA/CPRA)
If you are a California resident, the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), provides you with specific rights regarding your personal information.
Categories of personal information we collect: Identifiers (name, address, email, phone, IP address, Social Security number); financial information (income, credit history, loan details); commercial information (transaction records); internet or network activity (website usage data); and professional or employment-related information (employer, income verification).
Purposes for collection: Mortgage origination and servicing, regulatory compliance, fraud prevention, and website operation.
We do not sell or share your personal information for cross-context behavioral advertising or any commercial purpose. Because we do not sell or share your data, we do not offer a "Do Not Sell or Share" opt-out mechanism, as none is required.
Your rights as a California resident include: The right to know what personal information we have collected about you and how it is used and shared. The right to request deletion of your personal information, subject to certain exceptions required by law (such as retaining records necessary to service your loan or comply with legal obligations). The right to correct inaccurate personal information we hold about you. The right to non-discrimination for exercising your privacy rights.
How to exercise your rights: Submit a verifiable consumer request by emailing [email protected] or calling (913) 469-0777. We will respond within 45 days as required by law. We may need to verify your identity before processing your request.
Your Virginia Privacy Rights (VCDPA)
If you are a Virginia resident, the Virginia Consumer Data Protection Act (VCDPA) provides you rights similar to those described above for California residents, including the right to access, correct, delete, and obtain a copy of your personal data, and the right to opt out of the sale of personal data or its use for targeted advertising. Because we do not sell personal data or use it for targeted advertising, no opt-out mechanism is required. To exercise your other rights, contact us using the information in the "Contact Us" section below.
Cookies and Tracking Technologies
Our websites may use essential cookies necessary for website functionality. We do not currently use third-party analytics, advertising pixels, or behavioral tracking technologies. If we implement such technologies in the future, this policy will be updated to describe them and your choices regarding their use prior to implementation.
Data Security
We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, to service your loan, and to comply with our legal, regulatory, and recordkeeping obligations. Mortgage loan records are generally retained for a minimum of three years from the date of application or as otherwise required by applicable law.
Children's Privacy
Our websites are not directed to individuals under the age of 13, and we do not knowingly collect personal information from children. If we learn that we have inadvertently collected such information, we will delete it promptly.
Changes to This Policy
We reserve the right to update this Privacy Policy at any time. The "Last Updated" date at the top of this page will reflect the date of the most recent revision. If we make material changes, we will provide notice as required by applicable law.
Contact Us
Affinity Mortgage LLC | 8725 Rosehill Road, Suite 109, Lenexa, KS 66215 | Phone: (913) 469-0777 | Email: [email protected] | NMLS #2579
Terms of Use & Legal Disclaimer
By using this website, you agree to the formal terms of Affinity Mortgage LLC. This site is intended for educational purposes and to facilitate official VA loan benefit reviews. Unauthorized use of this system is strictly prohibited and may be subject to criminal prosecution.
We hereby authorize you to view and print information on this website subject to it being used for informational and non-commercial purposes.
The information contained in this website is believed to be reliable, but we do not warrant its completeness, timeliness or accuracy. This website is intended to provide general information about VA IRRRL refinance options offered by Affinity Mortgage LLC and to facilitate inquiries. It does not constitute a commitment to lend or a guarantee of loan terms. The information and materials contained in this website - and the terms and conditions of the access to and use of such information and materials - are subject to change without notice. Products and services described may differ among geographic locations, offices and as a result of individual conditions. Not all products and services are offered at all locations. In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.
It is our intention that data provided on a subject is of a general nature. Our website does not represent an exhaustive treatment of subjects nor is the information intended to constitute accounting, tax, legal, consulting or other professional advice.
Prior to making any decision or taking any action we kindly request you to contact your tax or legal advisors.
Please use this document and information at your own risk. The content of this site is copyrighted and therefore any unauthorized use of any materials on this website may violate copyright, trademark, and other laws.
Materials on this website may not be modified, reproduced, or publicly displayed, distributed or performed for any public or commercial purposes prior to our approval.
Accessibility Statement
General: Affinity Mortgage, LLC strives to ensure that its services are accessible to people with disabilities. Affinity Mortgage, LLC has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort and independence.
Accessibility on Affinity Mortgage, LLC website: Affinity Mortgage, LLC makes available the UserWay Website Accessibility Widget that is powered by a dedicated accessibility server. The software allows affinityhomeloan.com to improve its compliance with the Web Content Accessibility Guidelines (WCAG 2.1).
Enabling the Accessibility Menu: Affinity Mortgage, LLC accessibility menu can be enabled by clicking the accessibility menu icon that appears on the corner on the page. After triggering the accessibility menu, please wait a moment for the accessibility menu to load in its entirety.
Disclaimer: Affinity Mortgage, LLC continues its efforts to constantly improve the accessibility of its site and services in the belief that it is our collective moral obligation to allow seamless, accessible and unhindered use also for those of us with disabilities.
Despite our efforts to make all pages and content on Affinity Mortgage LLC's website fully accessible, some content may not have yet been fully adapted to the strictest accessibility standards. This may be a result of not having found or identified the most appropriate technological solution.
Here For You: If you are experiencing difficulty with any content on Affinity Mortgage, LLC website or require assistance with any part of our site, please contact us during normal business hours as detailed below and we will be happy to assist.
Contact Us: If you wish to report an accessibility issue, have any questions or need assistance, please contact us by sending an email to: [email protected]
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