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

Cameron Lewis is the “go to” for all my clients who have ever had the pleasure of working with him. Once you go with Cameron, you won’t ever have to search for another lender when making other purchases or refinancing. Cameron is the smartest, most experienced and resourceful lender in the Asheville area. On top of all that, he’s the easiest and most pleasant professional you could hope to work with! It’s ALWAYS better to go with a local lender when purchasing in the area, and Cameron is by far the best in the area! So look no further, and rest assured that you are making the right choice when you pick Cameron !

Laurie R.

Verified Customer
5.0

Russell was so helpful throughout the process of our recent home purchase. I moved to Alabama from out-of-state and would recommend Russell to anyone looking for a mortgage. He’s the embodiment of Southern hospitality.

John W.

Verified Customer
5.0

Farryl was a lifesaver as we purchased our new home. She treated me with respect and integrity. Farryl was upfront about everything and extremely responsive (very reachable after standard working hours). She also helped me to find additional resources like Hometown Heroes. I will recommend Farryl to anyone I know that is purchasing a new home!

Rwk N.

Verified Customer
5.0

Working with Deena was an outstanding experience! Purchasing a home while living out of town could have been stressful, but Deena and the team made the entire process smooth and seamless. Their communication, professionalism, and attention to detail gave me confidence every step of the way. I would highly recommend Deena and the team to anyone looking to buy a home.

Joy A.

Verified Customer
5.0

Deanna was very pleasant and easy to work with. She was very attentive with any questions I had and took the time to explain the process. She is very knowledgeable and compassionate about the work she does, and it shows. With the help of her and her team, my family and I were able to accomplish one of our biggest dreams in buying a home. I can’t thank them enough!

Erica O.

Verified Customer
5.0

The entire process was incredibly smooth from start to finish. Communication was excellent, and every question I had was answered quickly and clearly. The combination of professionalism, responsiveness, and guidance made buying my home much less stressful than I expected. I always felt informed and supported throughout the process, and everything came together seamlessly. I truly appreciate all the hard work and would highly recommend Tim to anyone looking for a great lending experience.

Ty M.

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