Compare top VA lenders, secure a low-interest VA loan, and maximize your military benefits. No down payment. No PMI. No hassle.
Verify Your VA Loan Eligibility
A VA loan is a mortgage backed by the U.S. Department of Veterans Affairs, offering low-interest rates, no down payment, and no PMI to eligible military service members, veterans, and their families.
Zero Down Payment: Buy a home with no money down.
No Mortgage Insurance (PMI): Lower monthly payments.
Competitive Interest Rates: VA loans offer some of the lowest rates available.
Flexible Credit Requirements: More forgiving than conventional loans.
Did You Know? A 30-year VA loan at 5.74% can save you $50-$200 per month compared to a conventional mortgage.
Active duty military.
Veterans with an honorable discharge.
National Guard and Reservists (after 6 years of service).
Surviving spouses of service members.
Follow these expert tips to secure the lowest VA mortgage rate:
Boost Your Credit Score: A score above 720 can get you a lower rate.
Compare at Least 3 Lenders: Shopping around can save you thousands.
Consider a 15-Year VA Loan: Shorter loan terms often have lower interest rates.
Use a VA Streamline Refinance (IRRRL): Lower your rate without a credit check.
Buy Discount Points: Paying upfront can reduce your interest rate long-term.
VA Purchase Loans: Buy a home with zero down payment.
VA Streamline Refinance (IRRRL): Lower your rate with no appraisal.
VA Cash-Out Refinance: Tap into your home equity for cash.
VA Renovation Loans: Finance home improvements.
VA Manufactured Home Loans: Buy a manufactured or modular home.
VA loans usually have lower rates than other mortgage types. See how they compare:
| Loan Type | Typical Interest Rate | Down Payment | Mortgage Insurance |
|---|---|---|---|
| VA Loan | 5.74% | $0 | No PMI |
| Conventional Loan | 6.92% | 3%-20% | Required if <20% down |
| FHA Loan | 6.50% | 3.5% | Required |
On a $400,000 loan, a VA loan can save you $100-$300 per month!
Is a VA loan right for you?
No down payment required.
No mortgage insurance (PMI).
Flexible credit requirements.
VA Funding Fee (1.25% - 3.30%).
Only for primary residences.
Strict property requirements.
Yes, VA loans typically offer lower rates because they are backed by the U.S. Department of Veterans Affairs.
Yes, VA loan rates fluctuate based on market conditions and your lender’s policies.
Yes, through VA Streamline (IRRRL) or VA Cash-Out Refinancing.
Get a rate lock from your lender to secure your interest rate for up to 90 days.
Take the next step toward homeownership with a VA loan today!
Decades of VA Loan Expertise: We've helped thousands of veterans secure the best mortgage rates.
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VA loans offer some of the best mortgage rates available. If you’re a veteran, active military, or a qualifying spouse, now is the time to lock in historically low VA loan rates and save thousands on your mortgage.
