Skip to content
VA Loans

Unlock homeownership with a VA Loan.

A VA home loan offers veterans and active-duty military low rates, no down payment, and flexible terms.

No-impact credit check. No commitment.
va
VA Loan Benefits

Your path to affordable homeownership starts here.

A VA home loan offers veterans and active-duty military low rates, no down payment, and flexible terms.

No down payment needed
Get competitive, lower interest rates
No PMI means lower monthly costs
Flexible credit requirements
Reuse your VA loan benefit for future homes

Today's VA Loan Rates

No-impact credit check. No commitment.

Trusted by veterans nationwide for VA loan financing

Check ‘em out on: Trustpilot | Google | Zillow | Bankrate

5.0

Edgard was patient, nice and communicative and answered questions that we had about the process of buying a home and informed us on every step to the end. He really helped us get throug. He is a true professional . Thank you again

Emmanuel B.

Verified Customer
5.0

Thank you very much for your help in the process in our house purchase.

Patricia G.

Verified Customer
5.0

Joshua is very knowledgeable and professional. He is thorough and pays close attention to detail. He was quick to find the best options for me and he helped me with the purchase of my new home. I highly recommend!! He looks out for your …best interest and I will always recommend him.

Exposure I.

Verified Customer
5.0

We cannot say enough great things about Avery! From start to finish, she made the mortgage process smooth, straightforward, and as stress-free as possible. Her professionalism, knowledge, communication, and attention to detail were exceptional.… What truly sets Avery apart is her dedication to her clients. She consistently went above and beyond, kept us informed every step of the way, and made us feel like a priority rather than just another loan application. We are incredibly grateful for everything she did to help us purchase our new home. If you’re looking for someone who genuinely cares about her clients and delivers outstanding service, Avery is the person you want in your corner! We couldn’t recommend her more highly!

Darren S.

Verified Customer
5.0

Tyler is just exactly the type of person you look for when making these decisions on large purchases. Not only did he show us all of the possibilities but he explained the pro and cons instead of assuming that… we knew, which is what a lot of people in this imdustry do. As things were changing throughout the process, he kept us updated and explained why everything was happening the way it was. Tyler is 10/10. would recommend him to anyone.

Stephan D.

Verified Customer
5.0

Laura was very communicative and always kept us informed on where we were during the process of purchasing our home. She always answered our questions in a timely and professional manner. We could not recommend Laura and the Lower Mortgage team… more!

Jason R.

Verified Customer
va3

Simple, fast pre-approval for veterans.

Getting pre-approved for a VA home loan is quick and easy. Speak with a loan advisor at Lower, where we start with a soft credit check and only do a hard pull when you're ready.

Buy the house now. Lower your rate later.

With Lower’s Free Refi for Life*, you can purchase your home now and refinance with no lending fees whenever rates drop.

va1
va2

We’re here for veterans— your schedule, your way.

At Lower, we’re ready to support you whenever you need, even on weekends. Text, call, or email your dedicated loan advisor—no waiting for bank hours.

Frequently Asked Questions

You’ve got VA loan questions. We’ve got answers.

VA loans are built to help eligible veterans, active-duty service members, and certain military families buy a home.

They’re built for with flexible credit score and debt-to-income ratio requirements, and generally have no down payment requirement. Keep in mind that exact requirements can vary by lender and qualification depends on your eligibility and unique financial situation.

A loans also typically offer competitive rates compared with other loan types, which can help lower the cost of borrowing over time. Closing costs can vary, but may include origination fees, appraisal fees, and the VA funding fee if it isn't financed into your loan. 

For buyers who qualify, those benefits can make it easier to buy a home. Keep in mind that VA loan occupancy requirements mean that they're available only for primary residences. 

Are VA loans assumable, and what does that mean?

Yes, VA loans are assumable, meaning a qualified buyer can take over your mortgage, potentially at your original rate and terms. This feature can be beneficial in a high-interest-rate environment, making your home more attractive to potential buyers.

What are current VA mortgage rates,
and how do they compare to conventional loans?

VA mortgage rates tend to be lower than conventional loan rates, making them a great choice for veterans and active-duty military. Rates vary based on market conditions, credit score, and loan terms, like a 15- or 30-year VA mortgage. To get today’s VA loan rates tailored to your profile, reach out for a personalized quote.

How do I get pre-approved for a VA home loan?

Getting pre-approved for a VA loan is straightforward. You'll need to verify your VA eligibility, usually with a Certificate of Eligibility (COE), then provide income, asset, and credit information. Pre-approval helps you understand your budget and strengthens your offer when buying a home.

Learn More

VA Loan Resources

Ready to get started?

Clear
Selection