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 | 5.990% | 6.310% | 1.900 | $2,122 |
| Loan Type | Rate | APR | Points | Monthly Payment |
|---|---|---|---|---|
| VA 30-Year Refinance | 6.125% | 6.413% | 2.500 | $2,137 |
| Loan Type | Rate | APR | Points | Monthly Payment |
|---|
VA 30-Year Fixed: Interest rate offered based on $354,375 loan amount with 6.310% APR and $2,122 monthly payment at 70% loan-to-value (LTV) and 1.900 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 4, 2026.
VA 30-Year Refinance: Interest rate offered based on $351,750 loan amount with 6.413% APR and $2,137 monthly payment at 70% loan-to-value (LTV) and 2.500 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 4, 2026.
Trusted by veterans nationwide for VA loan financing
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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
June 17, 2026
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
August 18, 2026
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
August 6, 2026
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
August 13, 2026
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
August 5, 2026
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
July 21, 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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Do You Qualify for a VA Loan?
entitlement available No active VA loans, prior VA loan paid off and home sold, or entitlement...
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How Many Times Can I Do an IRRRL?
Learn how to use a VA IRRRL multiple times to refinance your existing VA loan, lower payments, and...
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Should You Finance the VA Funding Fee or Pay at Closing?
Explore FHA loan options in New Mexico for 2026, including rates, requirements, and limits, to help...
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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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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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What is an IRRRL?
Explore FHA loan options in New Mexico for 2026, including rates, requirements, and limits, to help...
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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.