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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

Jake and the whole Adler team were exceptional to work with. As a first time homebuyer, this process can be quite daunting. The Adler team did everything possible to educate me, keep me informed, and make the process as smooth and easy as possible. I would highly recommend them to anyone, and will certainly use them again in the future if I need a lender.

Matt W.

Verified Customer
5.0

This team is awesome they made the homebuying process very seamless. They offer wonderful support and guidance throughout the process. I would highly recommend this lender if you are looking to finance your home. They literally help you every step of the way! So grateful to have worked with this team during my home purchasing journey. Thank you guys, you're awesome 😊❤️

Lorie H.

Verified Customer
5.0

Very smooth and professional process. Jon did an excellent job and made my recent condo purchase easy and stress-free. He was always responsive, took the time to answer my questions, and helped address any concerns along the way. I appreciated his communication, knowledge, and guidance throughout the entire process. I would gladly work with him again and highly recommend him to others.

Cory S.

Verified Customer
5.0

The Esersky Group has been phenomenal. Miguel possesses vast knowledge on the real estate industry and loan processes. He made our first-time home buying experience smooth and transparent. We cannot thank Miguel and his team enough for their dedication during the purchase of our home. When we reviewed our loan options, Miguel stepped in with poise, tact, and excellent problem-solving skills to find the best possible loan options based on our unique situation. His deep knowledge of the local Santa Clarita market and constant communication kept us feeling confident and in control at every stage. A true professional who goes above and beyond! Thank you Miguel!!

Cesar A.

Verified Customer
5.0

Joanie's constant contact and communication made the purchase of our new home easy.

Travis C.

Verified Customer
5.0

Overall great performance by Lisa on helping me with the purchase on my first home .

Jairo H.

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 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

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