VA Mortgage Rates Today

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They often even have lower rates than other types of <a href=\"https://www.businessinsider.com/personal-finance/mortgages/government-home-loans\" data-analytics-product-module=\"body_link\" rel=\"\">government-backed mortgages</a>, such as FHA mortgages. But they don't always offer the lowest rates, and it's possible you could get a lower rate with a different type of mortgage.</p>"},{"question":"What is a good VA interest rate?","answer":"<p class=\"faq-answer\">Keeping an eye on current VA rate trends can help give you an idea of the range of rates lenders are generally offering. To get access to the best available rates, you'll need to have a strong financial profile, including a high credit score and a low DTI.</p>"},{"question":"Who is the No. 1 VA lender?","answer":"<p class=\"faq-answer\">In 2023, the largest VA lender by volume was Veterans United, <a href=\"https://www.benefits.va.gov/HOMELOANS/Lender_Statistics.asp\" target=\"_blank\" rel=\"noopener\" data-analytics-product-module=\"body_link\">according to the VA</a>, originating almost $17.6 billion in VA mortgages.</p>"},{"question":"Are all VA loans $0 down?","answer":"<p class=\"faq-answer\">All VA loans allow no down payment, though you always have the ability to put money down if you want to.</p><p class=\"faq-answer\">In some situations, you may be required to put some money down. For example, if the home you want to buy appraises for less than the sales price, you'd need to bring some of your own money to the transaction to cover the difference.</p>"},{"question":"Is there a VA loan limit?","answer":"<p class=\"faq-answer\">VA mortgages typically have no <a href=\"https://www.businessinsider.com/personal-finance/mortgages/conforming-loan-limits\" data-analytics-product-module=\"body_link\" rel=\"\">loan limit</a>, meaning there's no limit to how large a VA mortgage can be. However, that doesn't mean you can borrow an infinite amount of money. Individual borrowers will only be able to borrow as much as a lender determines they can afford. In certain cases, some VA borrowers will have a reduced entitlement, which means they will be subject to a loan limit.</p>"},{"question":"How do you lock in your VA loan interest rate?","answer":"<p class=\"faq-answer\">A rate lock secures your interest rate so it won't change with fluctuations in the market. 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"%3Cscript%20src%3D%22https%3A%2F%2Fwww.googletagmanager.com%2Fgtm.js%3Fid%3DGTM-MP6F46L%22%20data-consent%3D%22ANALYTICS%22%20data-track-load%3D%22gtm%22%3E%3C%2Fscript%3E" });</script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"Article","mainEntityOfPage":{"@type":"WebPage","@id":"https://www.businessinsider.com/personal-finance/mortgages/current-va-mortgage-rates"},"editor":{"@type":"Person","name":"Sarah Silbert"},"author":[{"@type":"Person","name":"Molly Grace","sameAs":"https://www.businessinsider.com/author/molly-grace"},{"@type":"Person","name":"Elias Shaya","sameAs":"https://www.businessinsider.com/author/elias-shaya"}],"publisher":{"@context":"http://schema.org","@type":"Organization","name":"Business Insider","legalName":"Insider Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"VA Mortgage Rates Today","alternativeHeadline":"Current VA Mortgage Rates","image":{"@type":"ImageObject","url":"https://i.insider.com/62ebd69b59282400185a622f?width=1200&format=jpeg","width":1200,"height":900,"caption":"American flags are common in traditional coastal towns."},"name":"Current VA Mortgage Rates","datePublished":"2024-12-02T18:43:47Z","dateModified":"2024-12-02T18:43:47Z","description":"Learn about current VA mortgage rates, eligibility, and the benefits of these government-backed home loans for veterans and current military members.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate mortgages to write unbiased product reviews.VA mortgage rates are typically some of the lowest available, helping those who qualify keep their monthly payments affordable. Check out our current VA mortgage rates and see if a VA mortgage makes sense for you. Like other mortgage rates, rates for VA loans have increased recently. The good news for VA borrowers is that VA mortgages still offer a significant discount compared to conventional mortgages. Average VA rates were around 59 basis points below average conventional rates last month.In November, 30-year VA mortgage rates averaged around 5.97%, according to Zillow data. This is 32 basis points higher compared to where rates were the month before.Here's how today's VA rates stack up to other types of mortgages.VA rates tend to be lower than conventional mortgage rates, and they're often in line with FHA interest rates. This makes VA loans a good deal, since you can save money on your monthly mortgage payment with a lower rate. Jennifer Beeston, senior vice president of mortgage lending at Rate, says that shopping around and getting rate quotes from multiple lenders is vital if you want to get the best rate available to you.\"I cannot stress enough that if you are a veteran you need to shop the lender on interest rate and lender fee,\" Beeston says. \"We see huge differences in rate and fees based on the lender. The same buyer could be quoted 6.75% and $5,000 in lender fees by one lender and 5.4% with no lender fees by another on the exact same day for the same loan.\"You can also improve your chances of getting a lower rate by improving your credit score or paying down debt to lower your debt-to-income ratio (DTI).Use our mortgage rate graph to get an idea of how rates have changed throughout the past year. Note that these rates are for conventional mortgages, and VA mortgage rates are typically a bit lower than conventional rates.VA loans are a type of government-backed mortgage. The Department of Veterans Affairs provides the backing for these mortgages, called the VA home loan guaranty, and private lenders originate the loans. If a borrower defaults on a VA loan, the VA will compensate the lender for the money it lost.The guaranty makes these loans less risky for lenders, which is why they often come with better rates compared to conventional loans.Though the VA doesn't set a minimum credit score for borrowers, many lenders require VA mortgage borrowers to have a minimum credit score of 620. Some lenders may allow lower scores. You'll also typically need a DTI of 41% or less. VA mortgages don't require a down payment.In addition to meeting your lender's credit standards, you'll also need to meet the VA's minimum service requirements. Those who are eligible include:Some surviving spouses may also be eligible. The VA's website has more detailed information on minimum service requirements.The main benefit of getting a VA loan is that you won't have to make a down payment to get into a home. This is a huge benefit for first-time homebuyers, who often have trouble coming up with a sufficient down payment. However, Beeston says that sometimes a conventional mortgage can offer a better deal if you're able to make a down payment above 20%, since you won't have to pay for private mortgage insurance and you'll avoid the funding fee that comes with a VA mortgage.\"The key is to work with a lender who does both and can walk you through the pros and cons of each for your unique situation,\" Beeston says.For many low down payment loans, borrowers are required to pay for mortgage insurance, which insures the lender against the risk of a low down payment. VA mortgages don't require mortgage insurance, even if you put nothing down.However, VA mortgages do come with a funding fee, which is equal to between 1.25% and 3.3% of the loan amount. Borrowers can pay this fee at closing or roll it into the loan amount.Keep in mind that even if you put no money down and roll your funding fee into your loan, you'll still need to have some cash to pay for closing costs.Because the VA doesn't set a minimum credit score for the mortgages it guarantees, some lenders will accept borrowers with lower scores. You may even be able to qualify with a score as low as 580. But it varies depending on the lender.There are many factors that go into determining your mortgage rate, including both larger economic factors and individual factors.The general range of VA rates available to consumers will depend in large part on current economic conditions and investor demand for mortgage-backed securities.The exact rate you'll get will also be determined by your individual financial profile, including your credit score. The higher your score, the better the rate you'll be able to get.Beeston says that the lender you choose will also have a major impact on the rate you end up with.Use our free mortgage calculator to determine what your monthly payment might look like based on your down payment, interest rate, and the price of the home.VA mortgages generally have lower mortgage rates than fixed-rate conventional mortgages. They often even have lower rates than other types of government-backed mortgages, such as FHA mortgages. But they don't always offer the lowest rates, and it's possible you could get a lower rate with a different type of mortgage.Keeping an eye on current VA rate trends can help give you an idea of the range of rates lenders are generally offering. To get access to the best available rates, you'll need to have a strong financial profile, including a high credit score and a low DTI.In 2023, the largest VA lender by volume was Veterans United, according to the VA, originating almost $17.6 billion in VA mortgages.All VA loans allow no down payment, though you always have the ability to put money down if you want to.In some situations, you may be required to put some money down. For example, if the home you want to buy appraises for less than the sales price, you'd need to bring some of your own money to the transaction to cover the difference.VA mortgages typically have no loan limit, meaning there's no limit to how large a VA mortgage can be. However, that doesn't mean you can borrow an infinite amount of money. Individual borrowers will only be able to borrow as much as a lender determines they can afford. In certain cases, some VA borrowers will have a reduced entitlement, which means they will be subject to a loan limit.A rate lock secures your interest rate so it won't change with fluctuations in the market. You have until five days before closing to lock your rate. When you're ready, you'll let your lender know you want to lock your rate. In general, you'll need to have a signed purchase agreement on a home to be eligible for a rate lock.You'll need to apply for a VA loan with a lender that offers these mortgages. To qualify, you'll need to meet minimum service requirements.If you want to refinance your conventional loan into a VA loan, you'll need to get a VA cash-out refinance to do so.Yes, VA loans charge funding fees based on your down payment amount and whether you've used the VA loan program before. This fee can be paid up front or rolled into the loan.","articleSection":"Personal Finance, Loans, Mortgages","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Are VA mortgage rates always the lowest?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">VA mortgages generally have lower mortgage rates than fixed-rate conventional mortgages. They often even have lower rates than other types of <a href=\"https://www.businessinsider.com/personal-finance/mortgages/government-home-loans\" data-analytics-product-module=\"body_link\" rel=\"\">government-backed mortgages</a>, such as FHA mortgages. But they don't always offer the lowest rates, and it's possible you could get a lower rate with a different type of mortgage.</p>"}},{"@type":"Question","name":"What is a good VA interest rate?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Keeping an eye on current VA rate trends can help give you an idea of the range of rates lenders are generally offering. To get access to the best available rates, you'll need to have a strong financial profile, including a high credit score and a low DTI.</p>"}},{"@type":"Question","name":"Who is the No. 1 VA lender?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">In 2023, the largest VA lender by volume was Veterans United, <a href=\"https://www.benefits.va.gov/HOMELOANS/Lender_Statistics.asp\" target=\"_blank\" rel=\"noopener\" data-analytics-product-module=\"body_link\">according to the VA</a>, originating almost $17.6 billion in VA mortgages.</p>"}},{"@type":"Question","name":"Are all VA loans $0 down?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">All VA loans allow no down payment, though you always have the ability to put money down if you want to.</p><p class=\"faq-answer\">In some situations, you may be required to put some money down. For example, if the home you want to buy appraises for less than the sales price, you'd need to bring some of your own money to the transaction to cover the difference.</p>"}},{"@type":"Question","name":"Is there a VA loan limit?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">VA mortgages typically have no <a href=\"https://www.businessinsider.com/personal-finance/mortgages/conforming-loan-limits\" data-analytics-product-module=\"body_link\" rel=\"\">loan limit</a>, meaning there's no limit to how large a VA mortgage can be. However, that doesn't mean you can borrow an infinite amount of money. Individual borrowers will only be able to borrow as much as a lender determines they can afford. In certain cases, some VA borrowers will have a reduced entitlement, which means they will be subject to a loan limit.</p>"}},{"@type":"Question","name":"How do you lock in your VA loan interest rate?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">A rate lock secures your interest rate so it won't change with fluctuations in the market. You have until five days before closing to lock your rate. When you're ready, you'll let your lender know you want to lock your rate. In general, you'll need to have a signed purchase agreement on a home to be eligible for a rate lock.</p>"}},{"@type":"Question","name":"How do I get a VA loan?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">You'll need to apply for a VA loan with a lender that offers these mortgages. To qualify, you'll need to meet minimum service requirements.</p>"}},{"@type":"Question","name":"Can I refinance a conventional loan into a VA loan?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">If you want to refinance your conventional loan into a VA loan, you'll need to get a VA <a href=\"https://www.businessinsider.com/personal-finance/mortgages/cash-out-refinance\" data-analytics-product-module=\"body_link\" rel=\"\">cash-out refinance</a> to do so.</p>"}},{"@type":"Question","name":"Do VA loans have a funding fee?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Yes, VA loans charge funding fees based on your down payment amount and whether you've used the VA loan program before. This fee can be paid up front or rolled into the loan.</p>"}}]} </script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"https://www.businessinsider.com/personal-finance","name":"Personal Finance"}},{"@type":"ListItem","position":2,"item":{"@id":"https://www.businessinsider.com/personal-finance/mortgages","name":"Mortgages"}},{"@type":"ListItem","position":3,"item":{"@id":"https://www.businessinsider.com/personal-finance/mortgages/current-va-mortgage-rates","name":"Current VA Mortgage Rates"}}]} </script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: 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Loans </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/student-loans/best-student-loan-refinance-companies" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" > Best Student Loan Refinance </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/mortgages" data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" > Mortgages </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/mortgages/best-mortgage-lenders" 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data-track-click="{"product_field":"Mortgages","element_name":"breadcrumbs","event":"navigation"}" > Mortgages </a> </span> </div> <h1 class="post-headline ">Current VA Mortgage Rates</h1> </section> <section class="byline-wrapper byline-wrapper-helpfulness "> <div class="byline " data-e2e-name="byline" > <div class="byline-content" data-e2e-name="byline-content" > <div class="byline-row"> <div class="byline-author-container"> <div class="byline-author headline-regular"> <span class="headline-regular">Written by</span> <span class="" data-e2e-name="Molly Grace" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/molly-grace" >Molly Grace</a><span class="headline-regular">;</span></span> <span class="headline-regular">edited by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/sarah-silbert" >Sarah Silbert</a><span class="headline-regular">;</span> <span class="headline-regular">reviewed by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/elias-shaya" >Elias Shaya</a> </div> <div class="byline-updated"> Updated </div> <time class="byline-timestamp headline-regular js-date-format" data-timestamp="2024-12-02T18:43:47Z" data-e2e-name="byline-timestamp" data-disable-relative-formatting > 2024-12-02T18:43:47Z </time> </div> </div> </div> </div> <section class="sharebar " data-component-type="share" data-location=""> <div class="share-button-dropdown-wrapper"> <button class="share-button sharebar-link headline-regular"><svg class="svg-icon share-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 12 12"> <defs/> <title>Share icon</title> <desc>An curved arrow pointing right.</desc> <path fill-rule="evenodd" d="M7.336 8.014l4.2-3.5-4.2-3.5v2.8h-2.54c-1.948 0-3.526 1.567-3.526 3.5v3.16h1.469v-3.16a2.05 2.05 0 012.056-2.042h2.54v2.742z" 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class="headline-regular helpfulness-mobile-toc-section">Section</span> </div> <div class="sticky-toc-dropdown-button js-sticky-toc-dropdown-button"> <span class="sticky-toc-arrow"><svg class="svg-icon chevron-icon " data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg></span> </div> <menu class="sticky-toc-dropdown helpfulness-mobile-toc"> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#today's-va-mortgage-rates" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Today's VA mortgage rates </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#compare-current-rates" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Compare current rates </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#weekly-mortgage-rate-trends" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Weekly mortgage rate trends </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#what-is-a-va-loan?" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > What is a VA loan? </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#benefits" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Benefits </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#how-is-my-rate-determined?" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How is my rate determined? </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#faqs" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> </menu> </div> </nav> <div class="sticky-toc-aside-wrapper"> <ul class="sticky-toc-aside js-sticky-toc-aside" data-component-type="sticky-toc"> <li> <a href="#today's-va-mortgage-rates" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Today's VA mortgage rates </a> </li> <li> <a href="#compare-current-rates" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Compare current rates </a> </li> <li> <a href="#weekly-mortgage-rate-trends" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Weekly mortgage rate trends </a> </li> <li> <a href="#what-is-a-va-loan?" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > What is a VA loan? </a> </li> <li> <a href="#benefits" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Benefits </a> </li> <li> <a href="#how-is-my-rate-determined?" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How is my rate determined? </a> </li> <li> <a href="#faqs" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> </ul> </div> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <p class="headline-regular financial-disclaimer">Affiliate links for the products on this page are from partners that compensate us (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/mortgages/how-we-evaluate-mortgage-lenders" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate mortgages</a> to write unbiased product reviews.</p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p><a href="https://www.businessinsider.com/personal-finance/mortgages/best-va-mortgage-lenders" data-analytics-product-module="body_link" rel="">VA mortgage</a> rates are typically some of the lowest available, helping those who qualify keep their monthly payments affordable. Check out our current VA mortgage rates and see if a VA mortgage makes sense for you. </p><h2 data-toc-label="Today's VA mortgage rates" id="today's-va-mortgage-rates" class="toc-anchor">Today's VA mortgage rates</h2><p>Like other <a href="https://www.businessinsider.com/personal-finance/mortgages/average-mortgage-interest-rate" data-analytics-product-module="body_link" rel="">mortgage rates</a>, rates for VA loans have increased recently. The good news for VA borrowers is that VA mortgages still offer a significant discount compared to <a href="https://www.businessinsider.com/personal-finance/mortgages/conventional-mortgage" data-analytics-product-module="body_link" rel="">conventional mortgages</a>. Average VA rates were around 59 basis points below average conventional rates last month.</p><p>In November, 30-year VA mortgage rates averaged around 5.97%, according to <a href="https://www.businessinsider.com/personal-finance/mortgages/what-is-zillow" data-analytics-product-module="body_link" rel="">Zillow</a> data. This is 32 basis points higher compared to where rates were the month before.</p><div class="insider-raw-embed" data-type="embed" data-embed-type="raw" id="e508475c-2a23-44cb-b5af-aa0ab81cddcc"><div class="myFinance-widget" data-campaign="bi-mtgrt-cashoutrefi-multi" data-widget-id="949ce8ea-ccee-498f-8c33-e019c09fd52f"><script async="" type="text/javascript" id="myFinance-widget-script">!function () {function e() {var s = "myFinance-widget-ad-script";if (!document.getElementById(s)) {var e = document.createElement("script"), n = document.getElementById("myFinance-widget-script"), a = t + "widget/myFinance.js";e.id = s, e.type = "text/javascript", e.async = !0, e.src = a, n.parentNode.insertBefore(e, n);}var c = "myFinance-widget-css";if (!document.getElementById(c)) {var d = document.getElementsByTagName("head")[0], i = document.createElement("link");i.id = c, i.rel = "stylesheet", i.type = "text/css", i.href = t + "widget/myFinance.css", i.media = "all", d.appendChild(i)}}var t = "https://static.myfinance.com/";document.attachEvent ? document.attachEvent("onreadystatechange", function () {"complete" === document.readyState && e()}) : document.addEventListener("DOMContentLoaded", e, !1)}();</script></div></div><h2 data-toc-label="Compare current rates" id="compare-current-rates" class="toc-anchor">Compare current VA mortgage rates</h2><p>Here's how today's VA rates stack up to other types of mortgages.</p> <div class="mortgage-rates-table-wrapper" data-component-type="mortgage-rates-table" data-root-margin="0px 0px 100% 0px"> <div class="mortgage-rates-table-container"> <span class="mortgage-rates-timestamp headline-regular"></span> <table class="mortgage-rates-table table-content new-rates daily "> <tbody class="table-content-body headline-regular"> <tr> <td class="headline-regular headline-semibold"> <strong class="headline-regular headline-semibold">Mortgage type</strong> </td> <td class="headline-regular headline-semibold"> <strong class="headline-regular headline-semibold">Average rate today</strong> </td> </tr> <tr class="mortgage-rates-table-placeholder"> <td class="headline-regular headline-semibold"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> <td class="headline-regular"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> </tr> <tr class="mortgage-rates-table-placeholder"> <td class="headline-regular headline-semibold"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> <td class="headline-regular"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> </tr> <tr class="mortgage-rates-table-placeholder"> <td class="headline-regular headline-semibold"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> <td class="headline-regular"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> </tr> <tr class="mortgage-rates-table-placeholder"> <td class="headline-regular headline-semibold"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> <td class="headline-regular"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> </tr> <tr class="mortgage-rates-table-placeholder"> <td class="headline-regular headline-semibold"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> <td class="headline-regular"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> </tr> <tr class="mortgage-rates-table-placeholder"> <td class="headline-regular headline-semibold"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> <td class="headline-regular"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> </tr> <tr class="mortgage-rates-table-placeholder"> <td class="headline-regular headline-semibold"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> <td class="headline-regular"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> </tr> </tbody> </table> </div> <div class="mortgage-rates-table-credits body-italic"> <span class="mortgage-rates-table-text">This information has been provided by Zillow. See more <a class="not-content-link mortgage-rates-table-link" href="https://www.zillow.com/mortgage-rates/" target="_blank" rel="noreferrer noopener nofollow" data-analytics-product-module="mortgage_rates_table" data-analytics-product-area="click">mortgage rates</a> on Zillow</span> <a href="https://zillow.com" target="_blank" class="not-content-link mortgage-rates-table-logo" rel="noreferrer noopener nofollow" data-analytics-product-module="mortgage_rates_table" data-analytics-product-area="click"> <svg id="Logo" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1911 400"><defs><style>.cls-1{fill:#006aff;}</style></defs><title>Real Estate on Zillow</title><path class="cls-1" d="M1460.41,148.57h77.77l22.54,73.68c7.52,24.41,20.09,70.24,20.09,70.24a.6.6,0,0,0,1.13,0s13-46.68,20.42-70.24L1626,148.57h57.44l23.23,73.68c7.85,25.25,20,70.22,20,70.22a.6.6,0,0,0,1.15,0s12.63-45.54,20.07-70.22l22.55-73.68h72.28l-78.19,243.55h-71.13L1674,331c-7.45-24-20.55-70.57-20.55-70.57a.6.6,0,0,0-1.15,0s-13.1,45.68-20.95,70.15l-19.77,61.59h-72.41Z"></path><rect class="cls-1" x="936.81" y="19.92" width="78.71" height="372.21"></rect><rect class="cls-1" x="1073.84" y="19.91" width="78.72" height="372.21"></rect><path class="cls-1" d="M1380.68,271.18c0-36.24-25.85-60.9-56.46-60.9-31.34,0-57.19,24.66-57.19,60.9,0,36.48,25.85,60.9,57.19,60.9,30.61,0,56.46-24.42,56.46-60.9m-189.16,0c0-74,59.68-128.81,132.7-128.81,72.29,0,132,54.84,132,128.81,0,74.21-59.68,129.05-132,129.05-73,0-132.7-54.84-132.7-129"></path><path class="cls-1" d="M481.46,54.36v71.76H620.58c.57,0,.78.52.49,1L481.4,364.48c-3.36,6.17-4.16,7.49-4.16,13.65v14h271V320.49H597.69a.62.62,0,0,1-.5-1L738.48,79c1.12-2.34,2.3-4,2.3-9.64l.05-15Z"></path><path class="cls-1" d="M798.37,148.58h78.7V392.13h-78.7Zm39.35-122c24.54,0,44.82,19.8,44.82,44.19S862.26,115,837.72,115s-44.81-19.8-44.81-44.2S813.18,26.6,837.72,26.6"></path><path class="cls-1" d="M242.17,106.29c1.8-.44,2.63.2,3.71,1.41,6.16,6.93,26,31.1,31.4,37.71a2.12,2.12,0,0,1-.49,3.16c-40,31.22-84.49,75.38-109.3,107-.53.67-.09.72.26.57,43.21-18.6,144.67-48.27,190.44-56.59V141.64L179.28.23.05,141.64v63.29C55.61,171.91,184,120.8,242.17,106.29Z"></path><path class="cls-1" d="M96.63,349.5a3,3,0,0,1-3.88-.57L59.34,309.14c-.93-1.08-1-1.65.18-3.41C85.32,267.88,138,209,171.59,184.05c.6-.44.44-.86-.26-.63-35,11.44-134.47,54.17-171.28,75V393.6H358.18V263.5C309.27,271.81,163.08,315.27,96.63,349.5Z"></path><path class="cls-1" d="M1895.2,113.87c0-7-4.86-11.91-11.67-11.91H1871v34h5.59V125.77h5.49L1888.3,136h6.36l-6.7-11C1892.33,123.34,1895.2,119.16,1895.2,113.87Zm-12,6.9h-6.61V107h6.61c3.7,0,6.42,2.92,6.42,6.91S1886.89,120.77,1883.19,120.77Z"></path><path class="cls-1" d="M1881.84,90.16a29.38,29.38,0,1,0,29.38,29.37A29.41,29.41,0,0,0,1881.84,90.16Zm0,53.11a23.74,23.74,0,1,1,23.74-23.74A23.77,23.77,0,0,1,1881.84,143.27Z"></path></svg> </a> </div> </div><h3>VA rates are typically lower than other types</h3><p>VA rates tend to be lower than conventional mortgage rates, and they're often in line with <a href="https://www.businessinsider.com/personal-finance/mortgages/fha-interest-rates" data-analytics-product-module="body_link" rel="">FHA interest rates</a>. This makes VA loans a good deal, since you can save money on your monthly mortgage payment with a lower rate. </p><h3>How shopping around can get you the best rate</h3><p>Jennifer Beeston, senior vice president of mortgage lending at <a href="https://www.rate.com/" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">Rate</a>, says that shopping around and getting rate quotes from multiple lenders is vital if you want to get the best rate available to you.</p><p>"I cannot stress enough that if you are a veteran you need to shop the lender on interest rate and lender fee," Beeston says. "We see huge differences in rate and fees based on the lender. The same buyer could be quoted 6.75% and $5,000 in lender fees by one lender and 5.4% with no lender fees by another on the exact same day for the same loan."</p><p>You can also improve your chances of getting a lower rate by <a href="https://www.businessinsider.com/personal-finance/credit-score/how-to-improve-credit-score" data-analytics-product-module="body_link" rel="">improving your credit score</a> or paying down debt to lower your debt-to-income ratio (DTI).</p><h2 data-toc-label="Weekly mortgage rate trends" id="weekly-mortgage-rate-trends" class="toc-anchor">Weekly mortgage rate trends</h2><p>Use our mortgage rate graph to get an idea of how rates have changed throughout the past year. Note that these rates are for conventional mortgages, and VA mortgage rates are typically a bit lower than conventional rates.</p><div class="insider-raw-embed" data-type="embed" data-embed-type="raw" id="5cabe236-09dc-48c8-8e7a-1e43864ae6ad"><iframe title="Weekly mortgage rates, 2020–2021" aria-label="Interactive line chart" id="datawrapper-chart-PRSq1" src="https://datawrapper.dwcdn.net/PRSq1/1/" scrolling="no" frameborder="0" style="width: 0; min-width: 100% !important; border: none;" height="503"></iframe><script type="text/javascript">!function(){"use strict";window.addEventListener("message",(function(e){if(void 0!==e.data["datawrapper-height"]){var t=document.querySelectorAll("iframe");for(var a in e.data["datawrapper-height"])for(var r=0;r<t.length;r++){if(t[r].contentWindow===e.source)t[r].style.height=e.data["datawrapper-height"][a]+"px"}}}))}();</script></div><h2 data-toc-label="What is a VA loan?" id="what-is-a-va-loan?" class="toc-anchor">What is a VA loan?</h2><h3>Government-backed loan</h3><p><a href="https://www.businessinsider.com/personal-finance/mortgages/va-loans" data-analytics-product-module="body_link" rel="">VA loans</a> are a type of government-backed mortgage. The Department of Veterans Affairs provides the backing for these mortgages, called the VA home loan guaranty, and private lenders originate the loans. If a borrower defaults on a VA loan, the VA will compensate the lender for the money it lost.</p><p>The guaranty makes these loans less risky for lenders, which is why they often come with better rates compared to conventional loans.</p><h3>Eligibility</h3><p>Though the VA doesn't set a minimum credit score for borrowers, many lenders require VA mortgage borrowers to have a minimum credit score of 620. Some <a href="https://www.businessinsider.com/personal-finance/mortgages/low-credit-score-mortgage-lenders" data-analytics-product-module="body_link" rel="">lenders may allow lower scores</a>. You'll also typically need a DTI of 41% or less. VA mortgages don't require a down payment.</p><p>In addition to meeting your lender's credit standards, you'll also need to meet the VA's minimum service requirements. Those who are eligible include:</p><ul><li>Active-duty servicemembers who have served at least 90 consecutive days</li><li>Veterans who served at least 90 days in wartime or 181 days in peacetime</li><li>National Guard or Reserve members who have served for at least six years or 90 days of active-duty service</li></ul><p>Some surviving spouses may also be eligible. The VA's website has more detailed <a href="https://www.va.gov/housing-assistance/home-loans/eligibility/" target="_blank" rel="noopener" data-analytics-product-module="body_link">information on minimum service requirements</a>.</p><h2 data-toc-label="Benefits" id="benefits" class="toc-anchor">Benefits of VA mortgage loans</h2><h3>No down payment</h3><p>The main benefit of getting a VA loan is that you won't have to make a <a href="https://www.businessinsider.com/personal-finance/mortgages/how-much-down-payment-for-a-house" data-analytics-product-module="body_link" rel="">down payment</a> to get into a home. This is a huge benefit for first-time homebuyers, who often have trouble coming up with a sufficient down payment. </p><p>However, Beeston says that sometimes a conventional mortgage can offer a better deal if you're able to make a down payment above 20%, since you won't have to pay for <a href="https://www.businessinsider.com/personal-finance/mortgages/pmi-private-mortgage-insurance" data-analytics-product-module="body_link" rel="">private mortgage insurance</a> and you'll avoid the funding fee that comes with a VA mortgage.</p><p>"The key is to work with a lender who does both and can walk you through the pros and cons of each for your unique situation," Beeston says.</p><h3>No mortgage insurance</h3><p>For many low down payment loans, borrowers are required to pay for mortgage insurance, which insures the lender against the risk of a low down payment. VA mortgages don't require mortgage insurance, even if you put nothing down.</p><p>However, VA mortgages do come with a funding fee, which is equal to between 1.25% and 3.3% of the loan amount. Borrowers can pay this fee at closing or roll it into the loan amount.</p><p>Keep in mind that even if you put no money down and roll your funding fee into your loan, you'll still need to have some cash to pay for <a href="https://www.businessinsider.com/personal-finance/mortgages/what-are-mortgage-closing-costs" data-analytics-product-module="body_link" rel="">closing costs</a>.</p><h3>Can be easier to qualify for</h3><p>Because the VA doesn't set a minimum credit score for the mortgages it guarantees, some lenders will accept borrowers with lower scores. You may even be able to qualify with a score as low as 580. But it varies depending on the lender.</p><h2 data-toc-label="How is my rate determined?" id="how-is-my-rate-determined?" class="toc-anchor">How is my VA mortgage rate determined?</h2><p>There are many factors that go into determining your mortgage rate, including both larger economic factors and individual factors.</p><p>The general range of VA rates available to consumers will depend in large part on current economic conditions and investor demand for mortgage-backed securities.</p><p>The exact rate you'll get will also be determined by your individual financial profile, including your <a href="https://www.businessinsider.com/personal-finance/credit-score/what-credit-score-is-needed-to-buy-a-house" data-analytics-product-module="body_link" rel="">credit score</a>. The higher your score, the better the rate you'll be able to get.</p><p>Beeston says that the lender you choose will also have a major impact on the rate you end up with.</p><div class="insider-raw-embed" data-type="embed" data-embed-type="raw" id="9cfb2c71-b517-4674-b7e6-1456c6f08f11"><div class="ca-widget" data-token="b0fcaf368fe6"></div><script async="" defer="" src="https://www.consumersadvocate.org/embeds/embedder.js?v=1"></script></div><h3>Mortgage Calculator</h3><p>Use our free mortgage calculator to determine what your monthly payment might look like based on your down payment, interest rate, and the price of the home.</p> <div class="calculator loan-calculator" data-component-type="calculators/loan-calculator" data-root-margin="0px 0px 100% 0px"> <h5 class="calculator__title headline-semibold">Mortgage Calculator</h5> <div class="calculator__divider"></div> <div class="calculator__fields"> <div class="calculator__field calculator__field--horizontal"> <div class="calculator__price"> <input class="calculator__input headline-regular" value="$344,400" data-id="home-price-input" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="home_price"> <label class="headline-regular">Home Price</label> </div> <input type="range" min="80000" max="5000000" value="344400" data-id="home-price" class="calculator__slider" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="slide_bar"> </div> <div class="calculator__duo-field"> <div class="calculator__field calculator__field--majority"> <input class="calculator__input headline-regular" data-id="down-payment" type="text" pattern="[0-9]+" value="$68,880" maxlength="9" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="down_payment"> <label class="headline-regular">Down payment</label> </div> <div class="calculator__field calculator__field--minority"> <input class="calculator__input headline-regular" data-id="down-payment-percentage" type="text" pattern="[0-9]+" value="20" maxlength="5" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="down_payment_percent"> <span class="calculator__field__end headline-regular">%</span> </div> </div> <div class="calculator__field"> <input class="calculator__input headline-regular" data-id="loan-length" type="text" pattern="[0-9]+" value="30" maxlength="3" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="loan_length"> <label class="headline-regular">Length of loan (years)</label> </div> <div class="calculator__field"> <input class="calculator__input headline-regular" data-id="interest-rate" type="text" pattern="[0-9]+" value="3" maxlength="5" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="interest_Rate"> <label class="headline-regular">Interest rate</label> <span class="calculator__field__end headline-regular">%</span> </div> </div> <div class="calculator__result"> <span class="calculator__amount headline-regular">$<span class="headline-semibold">1,161</span></span> <span class="calculator__amount-blurb headline-regular">Your estimated monthly payment</span> </div> <div class="calculator__more-details" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="more_details"> <div class="calculator__more-details__header" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="more_details"> <span class="calculator__more-details__text headline-semibold" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="more_details">More details</span> <span class="calculator__chevron" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="more_details"><svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg></span> </div> <div class="calculator__more-details__wrap"> <div class="calculator__more-details__content"> <div class="calculator__fact headline-regular"><span>Total paid</span><div class="calculator__fact__divider"></div><span class="calculator__fact__value headline-semibold">$<span data-id="breakdown-total">418,177</span></span></div> <div class="calculator__fact headline-regular"><span>Principal paid</span><div class="calculator__fact__divider"></div><span class="calculator__fact__value headline-semibold">$<span data-id="breakdown-principal">275,520</span></span></div> <div class="calculator__fact headline-regular"><span>Interest paid</span><div class="calculator__fact__divider"></div><span class="calculator__fact__value headline-semibold">$<span data-id="breakdown-interest">42,657</span></span></div> <div class="calculator__tips"> <span class="calculator__tips__header headline-semibold">Ways you can save:</span> <ul class="headline-regular"> <li class="headline-regular">Paying a <span>25%</span> higher down payment would save you <span data-id="down-payment-savings">$8,916.08</span> on interest charges</li> <li class="headline-regular">Lowering the interest rate by <span>1%</span> would save you <span data-id="interest-rate-savings">$51,562.03</span></li> <li class="headline-regular">Paying an additional <span>$500</span> each month would reduce the loan length by <span data-id="monthly-savings">146</span> months</li> </ul> </div> </div> </div> </div> </div><h2 data-toc-label="FAQs" id="faqs" class="toc-anchor">VA loan FAQs</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Are VA mortgage rates always the lowest? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">VA mortgages generally have lower mortgage rates than fixed-rate conventional mortgages. They often even have lower rates than other types of <a href="https://www.businessinsider.com/personal-finance/mortgages/government-home-loans" data-analytics-product-module="body_link" rel="">government-backed mortgages</a>, such as FHA mortgages. But they don't always offer the lowest rates, and it's possible you could get a lower rate with a different type of mortgage.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What is a good VA interest rate? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Keeping an eye on current VA rate trends can help give you an idea of the range of rates lenders are generally offering. To get access to the best available rates, you'll need to have a strong financial profile, including a high credit score and a low DTI.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Who is the No. 1 VA lender? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">In 2023, the largest VA lender by volume was Veterans United, <a href="https://www.benefits.va.gov/HOMELOANS/Lender_Statistics.asp" target="_blank" rel="noopener" data-analytics-product-module="body_link">according to the VA</a>, originating almost $17.6 billion in VA mortgages.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Are all VA loans $0 down? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">All VA loans allow no down payment, though you always have the ability to put money down if you want to.</p> <p class="faq-answer">In some situations, you may be required to put some money down. For example, if the home you want to buy appraises for less than the sales price, you'd need to bring some of your own money to the transaction to cover the difference.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Is there a VA loan limit? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">VA mortgages typically have no <a href="https://www.businessinsider.com/personal-finance/mortgages/conforming-loan-limits" data-analytics-product-module="body_link" rel="">loan limit</a>, meaning there's no limit to how large a VA mortgage can be. However, that doesn't mean you can borrow an infinite amount of money. Individual borrowers will only be able to borrow as much as a lender determines they can afford. In certain cases, some VA borrowers will have a reduced entitlement, which means they will be subject to a loan limit.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How do you lock in your VA loan interest rate? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">A rate lock secures your interest rate so it won't change with fluctuations in the market. You have until five days before closing to lock your rate. When you're ready, you'll let your lender know you want to lock your rate. In general, you'll need to have a signed purchase agreement on a home to be eligible for a rate lock.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How do I get a VA loan? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">You'll need to apply for a VA loan with a lender that offers these mortgages. To qualify, you'll need to meet minimum service requirements.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can I refinance a conventional loan into a VA loan? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">If you want to refinance your conventional loan into a VA loan, you'll need to get a VA <a href="https://www.businessinsider.com/personal-finance/mortgages/cash-out-refinance" data-analytics-product-module="body_link" rel="">cash-out refinance</a> to do so.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Do VA loans have a funding fee? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Yes, VA loans charge funding fees based on your down payment amount and whether you've used the VA loan program before. This fee can be paid up front or rolled into the loan.</p> </div> </div> </div><div class="ca-widget" data-token="x13d55880b64" data-s1="AMCID"></div> <div class="script" data-lazy-load="script" data-load-strategy="lazy" data-src="https://secure.money.com/embeds/embedder.js?v=1" data-async="true" data-defer="true"></div> <section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/molly-grace" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="molly-grace"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/621fc89f75b649001845be8a?crop=1:1&width=256&format=jpeg&auto=webp" alt="Headshot of Molly Grace"> <noscript> <img src="https://i.insider.com/621fc89f75b649001845be8a?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/molly-grace" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Molly Grace</div> </a> <div class="post-author_title headline-regular">Mortgage Reporter</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Molly Grace is a mortgage reporter for Business Insider with over six years of experience writing about mortgages and homeownership. </span><span><span class="headline-semibold">Experience</span></span><span>In addition to her daily mortgage rate coverage, Molly also writes mortgage lender reviews and educational articles on homebuying and analyzes data and economic trends to give readers actionable and up-to-date information about the housing market.</span><span>She also tracks affordable mortgage and down payment assistance programs offered throughout the country to keep her readers informed of homebuyer programs available to them. </span><span>Before Business Insider, Molly was a blog writer for Rocket Companies and helped to create Rocket Mortgage’s Shorty Award-winning podcast <em>Home. Made</em>.</span><span>Molly is passionate about covering personal finance topics with empathy. Her goal is to make homebuying knowledge more accessible, especially for groups that may think homeownership is out of reach. </span><span><span class="headline-semibold">Expertise</span></span><span>Molly is an expert in the following topics:</span><ul><li><span>Mortgages and mortgage lenders</span></li><li><span>Home equity</span></li><li><span>The housing market</span></li><li><span>The economy and the forces that impact mortgage rates</span></li><li><span>Budgeting and saving</span></li><li><span>Credit</span></li><li><span>Insurance</span></li><li><span>Retirement savings</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Molly earned a bachelor's degree in journalism from Indiana University. </span><span>She is based in Michigan and has a dog and two cats. </span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/elias-shaya" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="elias-shaya"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/63f938c4ae0bf0001824b2c1?crop=1:1&width=256&format=jpeg&auto=webp" alt="Elias Shaya looks at the camera. He stands outdoors, wearing a black jacket, with a city in the distant background."> <noscript> <img src="https://i.insider.com/63f938c4ae0bf0001824b2c1?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/elias-shaya" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Elias Shaya</div> </a> <div class="post-author_title headline-regular">Compliance Associate</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Elias Shaya is a Compliance Associate on the Personal Finance Insider team based in New York City, which ensures content accuracy and editorial independence so readers are always getting up-to-date and objective financial advice.</span><span>The team also works to minimize risk for partners by ensuring language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team. Elias is the point person for the loans sub-vertical and works with the editorial team to ensure that all rates and information for personal and student loans are up-to-date and accurate.</span><span>He joined Insider in February 2022 as a fellow on the compliance team.</span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/60a53ef9e25d05001880c7d2":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":320}}" alt="LendingClub Logo"> <noscript> <img src="https://i.insider.com/60a53ef9e25d05001880c7d2?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> LendingClub LevelUp Savings Account </a> <span class="headline-semibold featured-product-sub-heading"> Earn 4.75% APY when you deposit $250 per month <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 4.75% APY when you deposit at least $250 per month, earn 3.75% standard APY if minimum isn't met.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> <div class="ignore-typography"> <span class="zillow-disclaimer body-italic"> © Zillow, Inc., 2006-2016. 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