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 | Est. Monthly Payment |
|---|---|---|---|---|
| VA 30-Year Fixed | 6.625% | 7.052% | 2.016 | $2,269 |
| Loan Type | Rate | APR | Points | Est. Monthly Payment |
|---|---|---|---|---|
| VA 30-Year Refinance | 6.750% | 7.111% | 2.450 | $2,281 |
| Loan Type | Rate | APR | Points | Est. Monthly Payment |
|---|
| Loan Type | Rate | APR | Points | Est. Monthly Payment |
|---|
VA 30-Year Fixed: Interest rate offered based on $354,375 loan amount with 7.052% APR and $2,269 monthly payment at 70% loan-to-value (LTV) and 2.016 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.
VA 30-Year Refinance: Interest rate offered based on $351,750 loan amount with 7.111% APR and $2,281 monthly payment at 70% loan-to-value (LTV) and 2.450 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.
Fixed 20-Year HELOC: Interest rate offered based on $100,000 loan amount with 9.375% APR and $923 monthly payment at 20% loan-to-value (LTV) and 0.166 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.
Fixed 30-Year HELOC: Interest rate offered based on $100,000 loan amount with 9.750% APR and $859 monthly payment at 20% loan-to-value (LTV) and 0.214 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.
Home equity lines shown assume a 3-year draw period, a $25,000 minimum initial draw, a $99 annual fee, a $100 minimum payment. Repayment period is 204 and 324 months, following the draw period. Terms are an example only and vary by line amount, property and credit profile.
Trusted by veterans nationwide for VA loan financing
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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
August 23, 2026
Thank you very much for your help in the process in our house purchase.
Patricia G.
Verified Customer
October 2, 2026
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
September 20, 2026
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
October 25, 2026
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
September 25, 2026
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
August 27, 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.