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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.
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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

From day one, Mike had our backs with the home loan process. Easy going, respectful, responsive and extremely knowledgeable .. the list goes on and on. We came out of our new home purchase knowing that we …were appreciated and very well taken care of with the financial aspect! Cheers to Mike!

Ronald B.

Verified Customer
5.0

I had a great experience working with Terri! She was extremely communicative and helpful throughout what can often be a stressful process, especially for first-time homebuyers like my wife and me. I'd recommend working with her to anyone.

Trace S.

Verified Customer
5.0

Jack was recommend to my husband and myself by our realtor. We were not disappointed on how dedicated Jack was during the entire process. Especially as first time home buyers! Being lost on understanding what documents were needed was not easy,… but thankfully Jack was always a text/call away for all the help we needed. And he always updated us when we were a step closer of our final loan approval or for anything else. We definitely recommend Jack as your loan advisor because he demonstrates the dedication he has to make a home purchase, whether it's your first time or not. We will definitely get in contact with Jack again once we are ready for our next home purchase!

Lesly M.

Verified Customer
5.0

Edgard went above and beyond to help us with the process and communication was great. Almost every question was answered, I like his professionalism. Thank so much for working hard to help us achieve our goa to purchase that home 🏡 We wish you… on your next journey.

Magareth B.

Verified Customer
5.0

For someone buying a home out of state and officially mortgaging a home, Jimmy provided exceptional support and advice. He walked us through every step along with clear expectations on the process. Jimmy proactively checked in with us and kept …us informed throughout the process. For being so nervous going into this process, Jimmy made everything seamless and easy. We appreciate everything Jimmy did for us and being apart of the next chapter of our lives. Jimmy even went above and beyond to find us affordable insurance. We will refer anyone we know who is buying a home to him and Lower. Thank you for everything Jimmy!!!

Jessica B.

Verified Customer
5.0

ill was very expedient withresponwhich is so helpful during a stressful time like buying a home. she answered every question we had and took care of us. Jill Iis the best!

Rebekah F.

Verified Customer
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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.

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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

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