VA loans offer some of the lowest mortgage rates available to eligible veterans, active duty servicemembers, and surviving spouses. Unlike conventional loans, VA loans require no down payment and no private mortgage insurance, which means your monthly payment stays lower even at competitive rates.
Rates vary based on your credit score, loan amount, and lender. The form above connects you with VA-approved lenders so you can compare personalized rates in minutes.
We'll ask for your zip code, property type, property cost, down payment amount, annual income and employment status, and an estimate of your credit score. The whole process takes a few minutes.
No. We match you with a single lender who offers VA mortgages in your area. If they can't meet your needs, you'll have the option to view other offers. You stay in control of the process.
Nothing. By answering a few questions you're giving us permission to match you with a lender who can show you a competitive VA rate. The consultation is completely free with no obligation.
In most cases yes. Because the VA guarantees a portion of each loan, lenders take on less risk and can offer lower rates than conventional or FHA products. The difference is typically 0.25 to 0.5 percentage points.
Your rate depends on your credit score, loan amount, property type, and current market conditions. Veterans with credit scores above 680 typically qualify for the most competitive VA rates.
Yes. VA mortgage rates move with broader bond markets and can shift multiple times per day. Getting your personalized rate today gives you an accurate starting point.
Going directly to a single lender like Navy Federal, USAA, or Rocket Mortgage means you only see one rate offer. Military.com connects you with multiple VA-approved lenders at once, so you can compare rates side by side without filling out separate applications. Since VA loan rates vary by lender, comparing offers typically results in a better rate than going with the first option you find.
Your information is encrypted using the same technology banks use. We only share your details with the lender you are matched with, and no one else.
Military.com has served the military community for over 25 years. Our comparison tool connects you with VA-specialized lenders who understand military pay structures, BAH, and deployment situations that standard lenders often mishandle. Over 500,000 servicemembers and veterans use Military.com for financial decisions each year.
Military.com partners with Bankrate.com, an independent advertising supported comparison service. We may receive compensation when you complete a form or engage with lender offers. This allows us to provide tools and information at no cost to you.
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