switching from hybrid Arm loan to VA IRRRLI need to lower my monthly payments . I currently have a hybrid loan on a 3 year % HOLD. Since its about to go up and I am disabled, on fixed income (and a senior) would an Irrrl loan help lower my payments? I live in Maryland.September 28 2012 - Fallston0YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.