VA Mortgage Rates
See today’s VA mortgage rates and learn how eligible veterans and service members can buy with no down payment.
OVERVIEW
VA loans offer some of the lowest rates available and require no down payment for eligible veterans and service members. VA rates are highly competitive and include flexible guidelines.
BENEFITS
- No down payment required
- No monthly mortgage insurance
- Competitive interest rates
- Flexible credit guidelines
- Lower closing costs
WHO IT’S FOR
- Veterans
- Active-duty service members
- Eligible surviving spouses
- Reservists and National Guard members
REQUIREMENTS
- Valid Certificate of Eligibility (COE)
- Sufficient income and credit
- Property must be a primary residence
- VA funding fee may apply
HOW IT WORKS
- Review today’s VA rates
- Obtain your COE
- Get pre-approved
- Lock your rate
- Complete the VA loan process
COSTS
- No mortgage insurance
- VA funding fee (may be waived)
- Closing costs typically lower than other loans
- No down payment required
PROPERTY RULES
- Must be a primary residence
- Condos must be VA-approved
- Multi-unit properties allowed (2–4 units)
- Property must meet VA safety standards
NEXT STEPS
- Get pre-approved
- Verify VA eligibility
- Compare rate scenarios
- Lock your rate
Ready to see your loan options? Start below — fast, secure, and no credit impact.