Unlock homeownership with a VA Loan.
A VA home loan offers veterans and active-duty military low rates, no down payment, and flexible terms.
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.
Today's VA Loan Rates
Legal Disclosures
| Loan Type | Rate | APR | Points | Monthly Payment |
|---|---|---|---|---|
| VA 30-Year Fixed | 6.750% | 7.162% | 1.977 | $2,298 |
| Loan Type | Rate | APR | Points | Monthly Payment |
|---|---|---|---|---|
| VA 30-Year Refinance | 7.000% | 7.288% | 2.240 | $2,340 |
| Loan Type | Rate | APR | Points | Monthly Payment |
|---|
VA 30-Year Fixed: Interest rate offered based on $354,375 loan amount with 7.162% APR and $2,298 monthly payment at 70% loan-to-value (LTV) and 1.977 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 9, 2026.
VA 30-Year Refinance: Interest rate offered based on $351,750 loan amount with 7.288% APR and $2,340 monthly payment at 70% loan-to-value (LTV) and 2.240 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 9, 2026.
Trusted by veterans nationwide for VA loan financing
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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
August 7, 2026
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
September 3, 2026
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
September 2, 2026
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
August 22, 2026
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
August 21, 2026
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
September 15, 2026
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.
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.
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.
VA Loan Resources
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Can You Build a Multi-Unit Property With a VA Construction Loan?
Discover how to leverage a VA construction loan to build multi-unit properties, ensuring you meet...
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Can the VA Funding Fee Be Financed?
Learn how to finance the VA funding fee into your mortgage, reducing upfront costs while increasing...
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Can You Get a VA Loan With Bad Credit
Discover how to qualify for a VA loan with bad credit, including lender requirements, credit...
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What is a COE for a VA Loan?
Learn how to obtain your VA Certificate of Eligibility, confirming your eligibility for VA home...
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Do You Qualify for a VA Loan?
eligibility for the VA home loan benefit. Credit VA does not set a minimum credit score, but...
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Should You Finance the VA Funding Fee or Pay at Closing?
Decide whether to finance or pay the VA funding fee upfront based on your cash needs, loan...
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VA Loan Closing Costs: What You Pay and What You Don't
Understand the closing costs associated with VA loans, including what can be financed and how costs...
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What Credit Score Do You Need for a VA Loan?
Learn about VA loan credit score requirements, and how lender overlays can affect the minimum...
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VA Loan Funding Fee Exemptions Explained
Understand VA funding fee exemptions, eligibility criteria, and potential savings to make informed...
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VA Loan Myths: Are They Really Hard to Close?
VA loans are not inherently slow or difficult to close. See how appraisals, funding fees, seller...
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What is a VA Jumbo Loan?
Discover how VA jumbo loans work, their benefits, and requirements for eligible borrowers looking...
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What is a VA Loan?
Discover the benefits of VA loans, including no down payment, competitive rates, and flexible...
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VA Loan Entitlement: What Full and Partial Entitlement Mean
Understand VA loan entitlement, including full and partial entitlement, county limits, and how they...
Learn more about VA loans in your state.
VA loan rates can vary by state. Click on your state to get local rates and information.