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

Murdock has helped us finance three home purchases for Theresa and me over the years and has always given us wise and professional advice and support. We have the unique situation of owning three homes in the same city, and he's guided us through the process of buying each one successfully. I don't think we could have managed all of this without his support. I would recommend him to anyone looknig to purchase property!

George M.

Verified Customer
5.0

Ruth was very professional and an excellent communicator. She was very efficient in getting our finances secured for our new home purchase. The experience was seamless. Ruth communicated to us throughout the whole process so that we were educated on time frames and milestones regarding our financing to closing. I highly recommend Ruth for any lending services. She is very knowledgeable and very approachable! Thank you so much Ruth, you were amazing!

Lindsay R.

Verified Customer
5.0

I randomly chose Tonya to visit with back in the fall when I was thinking of buying a property. I had googled lenders in my area, but I was drawn to Tonya's website, possibly because she was a female.. Sometimes men can be intimidating. She was very nice and we had a good visit. She gave me the information I needed to know how much I could afford to purchase. So that got tabled!! When spring rolled around and I decided to go ahead and invest in a property, I knew I wanted Tonya to be my lender. She was pleasant, knowledgeable and dedicated! She presented me with different options for my loan , plus processed a HELOC for me. She worked really hard And we were able to close in two weeks!

Jyl E.

Verified Customer
5.0

The entire process was seamless from start to finish. The team was consistently responsive, informative and genuinely kind, I never once felt like a burden. Purchasing or refinancing a home can be a daunting experience, often requiring you to share very personal financial details. Throughout the process, the team handled everything with professionalism and care, ensuring I was comfortable every step of the way. I cannot say enough positive things about both the team and the experience. It was exceptionally efficient, well-managed and stress-free. I highly recommend Allen and his team and will absolutely continue to use and refer them whenever possible.

James E.

Verified Customer
5.0

Erik has been very kind and patient with me throughout the stressful process of searching for and financing my new home. He is always available if I need to ask a question and always answered all my questions quickly and elaborately. I will definitely use Erik's outstanding services for my next purchase or refinancing.

Kristina V.

Verified Customer
5.0

We were with another lender for 1 year before going to Lisa. The other lender we were with ran us through the mud and hurt our credit instead of helping us fix it, at the end of the day we were told "There's no way for you to get this loan" after 1 year of being told we "totally got this" and it was going to be an easy transition . Once we got the news that broke our family's heart, I asked Lisa for a second opinion. She reviewed our paperwork, helped us repair our credit and got us right where we needed to be to purchase pur our dream home. She was always honest, never making any promises and always keeping us updated on our progress. She was always available for us, early mornings, late nights, weekends, and even when she was on her family vacation! We could not say enough good things about Lisa, she literally saved my family from having to move out of state. We could never thank her enough for the time, patience, and work that she put into this loan for us to get our home. I wouldn't reccomend anyone else to my family or closest friends.

Danyelle F.

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 maximum accessibility, and generally have no down payment requirement. VA loans also typically offer competitive rates compared with other loan types, which can help lower the cost of borrowing over time. For buyers who qualify, those benefits can make it easier to buy a home.

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