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Compare VA Rates From 300+ Top Approved Lenders
Trusted by the
military community
0.41%
lower VA rates than conventionalâ€
25+
years serving the military community
500K+
veterans use Military.com for financial decisions
300+
lenders tracked, rates updated daily
Current VA Loan Rates for 2026.
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 PMI. Rates vary by credit score, loan amount, and lender. Compare personalized offers from VA-approved lenders in minutes.
Why compare VA loan rates
with Military.com?
0.41% below conventional
VA loans averaged 0.41% below conventional mortgage rates throughout 2025.†Don't leave money on the table.
100+ lenders competing for you
Banks, credit unions, and VA specialists, all bidding for your business in one place.
No credit pull
See personalized rates from multiple lenders without a hard inquiry on your credit.
$0 down, no PMI
The VA loan benefit no conventional borrower gets.
No spam calls
You choose who contacts you. We never sell your phone number to call centers.
VA-approved lenders only
Every lender in our network understands military pay, BAH, and deployment income.
The trusted provider of accurate rates and financial information
VA Loan
Frequently Asked Questions
What information will you need from me?
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.
Will I get a bunch of phone calls from multiple lenders?
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.
What am I committing to?
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.
Are VA loan rates lower than conventional rates?
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.
What determines my VA loan rate?
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.
Do VA loan rates change daily?
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.
How does Military.com compare to going directly to a lender like Navy Federal, USAA, or Rocket Mortgage?
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.
How do you keep my information secure?
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.
Why Military.com for VA Loan Rates
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.
How This Service Stays Free
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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