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width="1em" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" d="M11.354 1.646a.5.5 0 010 .708L5.707 8l5.647 5.646a.5.5 0 01-.708.708l-6-6a.5.5 0 010-.708l6-6a.5.5 0 01.708 0z" clip-rule="evenodd"></path></svg></button><label class="menu-label">Checking</label></div><ul><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/how-many-checking-accounts-should-you-have/">How Many Checking Accounts Can I Have</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/the-best-checking-accounts/">Best Checking Accounts</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-high-yield-checking-accounts/">Best High Yield Checking Accounts</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-rewards-checking-accounts/">Best Rewards Checking Accounts</a></li><li 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fill-rule="evenodd" d="M11.354 1.646a.5.5 0 010 .708L5.707 8l5.647 5.646a.5.5 0 01-.708.708l-6-6a.5.5 0 010-.708l6-6a.5.5 0 01.708 0z" clip-rule="evenodd"></path></svg></button><label class="menu-label">Savings</label></div><ul><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/what-is-a-savings-account/">What Is A Savings Account</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/what-is-apy/">What Is APY</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/types-of-savings-accounts/">Types of Savings Accounts</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/the-best-high-yield-savings-accounts/">Best High Yield Savings Accounts</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-business-savings-accounts/">Best Business Savings Accounts</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-student-savings-accounts/">Best Student Savings Accounts</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-savings-accounts-for-kids/">Best Savings Accounts for Kids</a></li></ul></section><section class="menu-section section__SectionBase-sc-fmx0k8-0 kvYbSB"><div class="section___StyledLabel-sc-fmx0k8-1 gGPlM"><button class="MuiButtonBase-root MuiIconButton-root MuiIconButton-sizeMedium sc-aXZVg bfATJZ css-1yxmbwk" tabindex="0" type="button" aria-label="back"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 16 16" class="button___StyledBsChevronLeft-sc-12tiulk-0 cyuJxe" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" d="M11.354 1.646a.5.5 0 010 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d="M4.646 1.646a.5.5 0 01.708 0l6 6a.5.5 0 010 .708l-6 6a.5.5 0 01-.708-.708L10.293 8 4.646 2.354a.5.5 0 010-.708z" clip-rule="evenodd"></path></svg></button></li></ul></section><section class="menu-section section__SectionBase-sc-fmx0k8-0 kvYbSB"><div class="section___StyledLabel-sc-fmx0k8-1 gGPlM"><button class="MuiButtonBase-root MuiIconButton-root MuiIconButton-sizeMedium sc-aXZVg bfATJZ css-1yxmbwk" tabindex="0" type="button" aria-label="back"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 16 16" class="button___StyledBsChevronLeft-sc-12tiulk-0 cyuJxe" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" d="M11.354 1.646a.5.5 0 010 .708L5.707 8l5.647 5.646a.5.5 0 01-.708.708l-6-6a.5.5 0 010-.708l6-6a.5.5 0 01.708 0z" clip-rule="evenodd"></path></svg></button><label class="menu-label">Personal</label></div><ul><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-banks-for-personal-loans/">Best Banks for Personal Loans</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-bad-credit-loans/">Best Loans for Bad Credit</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-debt-consolidation-loans/">Best Debt Consolidation Loans</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-fast-personal-loans-for-quick-cash/">Best Quick Loans for Fast Cash</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-vacation-loans/">Best Vacation Loans</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-wedding-loans/">Best Wedding Loans</a></li></ul></section><section class="menu-section section__SectionBase-sc-fmx0k8-0 kvYbSB"><div class="section___StyledLabel-sc-fmx0k8-1 gGPlM"><button class="MuiButtonBase-root MuiIconButton-root MuiIconButton-sizeMedium sc-aXZVg bfATJZ css-1yxmbwk" tabindex="0" type="button" aria-label="back"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 16 16" class="button___StyledBsChevronLeft-sc-12tiulk-0 cyuJxe" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" d="M11.354 1.646a.5.5 0 010 .708L5.707 8l5.647 5.646a.5.5 0 01-.708.708l-6-6a.5.5 0 010-.708l6-6a.5.5 0 01.708 0z" clip-rule="evenodd"></path></svg></button><label class="menu-label">Student</label></div><ul><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/fafsa-requirements/">FAFSA Requirements</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/how-to-apply-for-student-loan-forgiveness/">Apply for Student Loan Forgiveness</a></li><li 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href="/personal-finance/article/home-equity-loan-or-heloc-requirements/">HELOC Requirements</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/home-equity-loan-vs-heloc/">Home Equity Loan vs HELOC</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/heloc-on-investment-property/">Heloc on Investment Property</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/are-home-equity-loans-tax-deductible/">Is HELOC Interest Deductible</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-heloc-rates/">Best HELOC Rates</a></li></ul></section><section class="menu-section section__SectionBase-sc-fmx0k8-0 kvYbSB"><div class="section___StyledLabel-sc-fmx0k8-1 gGPlM"><button class="MuiButtonBase-root MuiIconButton-root MuiIconButton-sizeMedium sc-aXZVg bfATJZ css-1yxmbwk" 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href="/personal-finance/article/do-you-need-home-warranty/">Do You Need Home Warranty</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-renters-insurance/">Best Renters Insurance Companies</a></li></ul></section><section class="menu-section section__SectionBase-sc-fmx0k8-0 kvYbSB"><div class="section___StyledLabel-sc-fmx0k8-1 gGPlM"><button class="MuiButtonBase-root MuiIconButton-root MuiIconButton-sizeMedium sc-aXZVg bfATJZ css-1yxmbwk" tabindex="0" type="button" aria-label="back"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 16 16" class="button___StyledBsChevronLeft-sc-12tiulk-0 cyuJxe" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" d="M11.354 1.646a.5.5 0 010 .708L5.707 8l5.647 5.646a.5.5 0 01-.708.708l-6-6a.5.5 0 010-.708l6-6a.5.5 0 01.708 0z" clip-rule="evenodd"></path></svg></button><label class="menu-label">Life</label></div><ul><li 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href="/personal-finance/article/lemonade-insurance-review/">Lemonade Insurance Review</a></li></ul></section><section class="menu-section section__SectionBase-sc-fmx0k8-0 kvYbSB"><div class="section___StyledLabel-sc-fmx0k8-1 gGPlM"><button class="MuiButtonBase-root MuiIconButton-root MuiIconButton-sizeMedium sc-aXZVg bfATJZ css-1yxmbwk" tabindex="0" type="button" aria-label="back"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 16 16" class="button___StyledBsChevronLeft-sc-12tiulk-0 cyuJxe" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" d="M11.354 1.646a.5.5 0 010 .708L5.707 8l5.647 5.646a.5.5 0 01-.708.708l-6-6a.5.5 0 010-.708l6-6a.5.5 0 01.708 0z" clip-rule="evenodd"></path></svg></button><label class="menu-label">Travel</label></div><ul><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/what-is-travel-insurance/">What Is Travel Insurance</a></li><li 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Insurance Review</a></li></ul></section><section class="menu-section section__SectionBase-sc-fmx0k8-0 kvYbSB"><div class="section___StyledLabel-sc-fmx0k8-1 gGPlM"><button class="MuiButtonBase-root MuiIconButton-root MuiIconButton-sizeMedium sc-aXZVg bfATJZ css-1yxmbwk" tabindex="0" type="button" aria-label="back"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 16 16" class="button___StyledBsChevronLeft-sc-12tiulk-0 cyuJxe" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" d="M11.354 1.646a.5.5 0 010 .708L5.707 8l5.647 5.646a.5.5 0 01-.708.708l-6-6a.5.5 0 010-.708l6-6a.5.5 0 01.708 0z" clip-rule="evenodd"></path></svg></button><label class="menu-label"><a class="label__Link-sc-1k0lly7-0 bRFNyN" href="/personal-finance/category/investing/">Investing</a></label></div><ul><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><span>Trade</span><button class="MuiButtonBase-root MuiIconButton-root 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href="/personal-finance/article/jp-morgan-investing-review/">J.P. Morgan Review</a></li></ul></section><section class="menu-section section__SectionBase-sc-fmx0k8-0 kvYbSB"><div class="section___StyledLabel-sc-fmx0k8-1 gGPlM"><button class="MuiButtonBase-root MuiIconButton-root MuiIconButton-sizeMedium sc-aXZVg bfATJZ css-1yxmbwk" tabindex="0" type="button" aria-label="back"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 16 16" class="button___StyledBsChevronLeft-sc-12tiulk-0 cyuJxe" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" d="M11.354 1.646a.5.5 0 010 .708L5.707 8l5.647 5.646a.5.5 0 01-.708.708l-6-6a.5.5 0 010-.708l6-6a.5.5 0 01.708 0z" clip-rule="evenodd"></path></svg></button><label class="menu-label">Retirement</label></div><ul><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/how-to-plan-for-retirement/">How to Plan for Retirement</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/what-is-a-roth-401-k/">What Is A Roth 401(k)</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/average-return-rate-on-401k/">Average 401(k) Return</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/backdoor-roth-ira/">What Is a Backdoor Roth IRA</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-roth-ira-accounts/">Best Roth IRA Accounts</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/empower-review/">Empower Review</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/m1-finance-review/">M1 Finance Review</a></li></ul></section><section class="menu-section section__SectionBase-sc-fmx0k8-0 kvYbSB"><div class="section___StyledLabel-sc-fmx0k8-1 gGPlM"><button 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href="/personal-finance/category/investing/"><span>Investing</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 8.897 5.504" class="menu-bar__AnimatedDownArrow-sc-ewcr31-1 hBjSRg"><path fill="#0d0d0d" stroke="#000" stroke-width="0.5" d="M8.531.35a.273.273 0 0 0-.417 0L4.451 4.467.779.35a.273.273 0 0 0-.417 0 .36.36 0 0 0 0 .467L4.233 5.16a.27.27 0 0 0 .208.1.28.28 0 0 0 .208-.1L8.52.817A.35.35 0 0 0 8.531.35z"></path></svg></a></h4><h4 class="sc-dcJsrY dhYLiI menu-bar__MenuItem-sc-ewcr31-2 cOgMU desktop-menu-item"><a class="menu-item___StyledLink-sc-h2eonk-0 eMTOSc" href="/personal-finance/category/mortgages/"><span>Mortgages</span><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 8.897 5.504" class="menu-bar__AnimatedDownArrow-sc-ewcr31-1 hBjSRg"><path fill="#0d0d0d" stroke="#000" stroke-width="0.5" d="M8.531.35a.273.273 0 0 0-.417 0L4.451 4.467.779.35a.273.273 0 0 0-.417 0 .36.36 0 0 0 0 .467L4.233 5.16a.27.27 0 0 0 .208.1.28.28 0 0 0 .208-.1L8.52.817A.35.35 0 0 0 8.531.35z"></path></svg></a></h4></div><div class="MuiDrawer-root MuiDrawer-docked desktop-drawer__Drawer-sc-3qwbjs-0 bDEvJE desktop-drawer__DesktopDrawer-sc-1ytdj2i-0 gueDXF css-1tu59u4"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-elevation0 MuiDrawer-paper MuiDrawer-paperAnchorTop MuiDrawer-paperAnchorDockedTop css-52lvu4" style="visibility:hidden"><div class="MuiScopedCssBaseline-root venus-style__VenusCssBaseLine-sc-1h2vpgf-0 gwlXlb css-1m06y2m"><div class="desktop-drawer__Container-sc-3qwbjs-2 flREoT"><div class="desktop-drawer___StyledDiv-sc-3qwbjs-7 dEwjVz"><button class="MuiButtonBase-root MuiIconButton-root MuiIconButton-sizeMedium icon-button-wrapper__IconButton-sc-lk8tbn-0 bvGaLT desktop-drawer___StyledCloseButton-sc-3qwbjs-8 cpUudC css-1yxmbwk" tabindex="0" type="button" aria-label="close menu"><span class="MuiIconButton-label"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 352 512" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M242.72 256l100.07-100.07c12.28-12.28 12.28-32.19 0-44.48l-22.24-22.24c-12.28-12.28-32.19-12.28-44.48 0L176 189.28 75.93 89.21c-12.28-12.28-32.19-12.28-44.48 0L9.21 111.45c-12.28 12.28-12.28 32.19 0 44.48L109.28 256 9.21 356.07c-12.28 12.28-12.28 32.19 0 44.48l22.24 22.24c12.28 12.28 32.2 12.28 44.48 0L176 322.72l100.07 100.07c12.28 12.28 32.2 12.28 44.48 0l22.24-22.24c12.28-12.28 12.28-32.19 0-44.48L242.72 256z"></path></svg></span></button></div><div class="desktop-drawer__SectionWrapper-sc-3qwbjs-3 cyLWXH"><div class="desktop-drawer__Hideable-sc-3qwbjs-1 desktop-drawer__Section-sc-3qwbjs-5 kLtgsy eMNdJy"><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Earn money</h3><ul><li><a alt="Passive Income Ideas" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/passive-income-ideas/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Passive Income Ideas</span></div></a></li><li><a alt="How to Make Money Fast" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-make-money-fast/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Make Money Fast</span></div></a></li><li><a alt="Great Business Ideas" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/great-business-ideas/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Great Business Ideas</span></div></a></li><li><a alt="Best Online Surveys" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-online-surveys-for-money/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Online Surveys</span></div></a></li><li><a alt="How to Make Money Online" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-make-money-online/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Make Money Online</span></div></a></li><li><a alt="How to Earn Interest" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-way-to-earn-interest/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Earn Interest</span></div></a></li><li><a alt="Best Side Hustles" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-side-hustles/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Side Hustles</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Budgeting</h3><ul><li><a alt="How to Make a Budget" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-make-a-budget/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Make a Budget</span></div></a></li><li><a alt="Best Budgeting Apps" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-budgeting-apps/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Budgeting Apps</span></div></a></li><li><a alt="Best Money Making Apps" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-money-making-apps/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Money Making Apps</span></div></a></li><li><a alt="Best Money Saving Apps" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-money-saving-apps/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Money Saving Apps</span></div></a></li><li><a alt="Quicken Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/quicken-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Quicken Review</span></div></a></li><li><a alt="Rocket Money Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/rocket-money-review/"><div 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href="/personal-finance/article/what-is-a-fair-credit-score/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>What Is A Fair Credit Score</span></div></a></li><li><a alt="What Is A Good Credit Score" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-a-good-credit-score/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>What Is A Good Credit Score</span></div></a></li><li><a alt="How to Improve Credit Score" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-improve-your-credit-score-fast/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Improve Credit Score</span></div></a></li><li><a alt="Credit Score to Buy A House" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-credit-score-do-i-need-to-buy-a-house/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Credit Score to Buy A House</span></div></a></li><li><a alt="Credit Score to Buy 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href="/personal-finance/article/average-tax-refund/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Average Tax Refund</span></div></a></li><li><a alt="Tax Planning" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/tax-planning-what-it-is-how-it-works-best-strategies/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Tax Planning</span></div></a></li><li><a alt="Tax Efficient Investing" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/tax-efficient-investing/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Tax Efficient Investing</span></div></a></li><li><a alt="Tax Brackets" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/tax-brackets-federal-income-tax-rates/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Tax Brackets</span></div></a></li><li><a alt="How to Reduce Taxable Income" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-reduce-taxable-income/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Reduce Taxable Income</span></div></a></li><li><a alt="Donation Tax Deduction" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/maximize-tax-savings-tax-deductible-donations/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Donation Tax Deduction</span></div></a></li><li><a alt="Best Tax Preparation Software" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-tax-preparation-software/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Tax Preparation Software</span></div></a></li></ul></div></div><div class="desktop-drawer__Hideable-sc-3qwbjs-1 desktop-drawer__Section-sc-3qwbjs-5 kLtgsy eMNdJy"><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Rewards</h3><ul><li><a alt="Best Rewards Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-credit-cards-for-rewards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Rewards Credit Cards</span></div></a></li><li><a alt="Best Cash Back Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-credit-cards-cash-back/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Cash Back Credit Cards</span></div></a></li><li><a alt="Best Travel Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-travel-credit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Travel Credit Cards</span></div></a></li><li><a alt="Best Airline Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-airline-credit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Airline Credit Cards</span></div></a></li><li><a alt="Best Hotel 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iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Business</h3><ul><li><a alt="Best Business Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-business-credit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Business Credit Cards</span></div></a></li><li><a alt="Best Small Business Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-small-business-credit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Small Business Credit Cards</span></div></a></li><li><a alt="Amex Business Platinum vs. Chase Business Ink Preferred" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/amex-business-platinum-vs-chase-ink-preferred/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Amex Business Platinum vs. Chase Business Ink Preferred</span></div></a></li><li><a alt="Capital One Spark Cash Plus vs. Ink 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Beginners" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/credit-cards-for-beginners/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Credit Cards for Beginners</span></div></a></li><li><a alt="Best Unsecured Cards for Bad Credit" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/unsecured-credit-cards-bad-credit/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Unsecured Cards for Bad Credit</span></div></a></li><li><a alt="Best Secured Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-secured-credit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Secured Credit Cards</span></div></a></li><li><a alt="Best Credit Cards for Bad Credit" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-credit-cards-for-bad-credit/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Credit Cards for Bad Credit</span></div></a></li><li><a alt="Best Credit Cards for Fair Credit" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-credit-cards-for-fair-credit/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Credit Cards for Fair Credit</span></div></a></li><li><a alt="Best Credit Cards for Students " class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-credit-cards-for-students/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Credit Cards for Students </span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Issuers/Networks</h3><ul><li><a alt="Best Credit Cards in 2024" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/the-best-credit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Credit Cards in 2024</span></div></a></li><li><a alt="Best Capital One Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-capital-one-credit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Capital One Credit Cards</span></div></a></li><li><a alt="Best Discover Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-discover-credit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Discover Credit Cards</span></div></a></li><li><a alt="Best Citi Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-citi-credit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Citi Credit Cards</span></div></a></li><li><a alt="Best Chase Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-chase-credit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Chase Credit Cards</span></div></a></li><li><a alt="Best Amex Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-american-express-card/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Amex Credit Cards</span></div></a></li><li><a alt="Best Mastercard Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-mastercard-credit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Mastercard Credit Cards</span></div></a></li><li><a alt="Best Visa Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-visa-credit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Visa Credit Cards</span></div></a></li></ul></div></div><div class="desktop-drawer__Hideable-sc-3qwbjs-1 desktop-drawer__Section-sc-3qwbjs-5 kLtgsy eMNdJy"><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Checking</h3><ul><li><a alt="How Many Checking Accounts Can I Have" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-many-checking-accounts-should-you-have/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How Many Checking Accounts Can I Have</span></div></a></li><li><a alt="Best Checking Accounts" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/the-best-checking-accounts/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Checking Accounts</span></div></a></li><li><a alt="Best High Yield Checking Accounts" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-high-yield-checking-accounts/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best High Yield Checking Accounts</span></div></a></li><li><a alt="Best Rewards Checking Accounts" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-rewards-checking-accounts/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Rewards Checking Accounts</span></div></a></li><li><a alt="Best Business Checking Accounts" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-business-checking-accounts/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Business Checking Accounts</span></div></a></li><li><a alt="Best Joint Checking Accounts" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-joint-checking-accounts/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Joint Checking Accounts</span></div></a></li><li><a alt="Best Prepaid Debit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-prepaid-debit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Prepaid Debit Cards</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Savings</h3><ul><li><a alt="What Is A Savings Account" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-a-savings-account/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>What Is A Savings Account</span></div></a></li><li><a alt="What Is APY" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-apy/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>What Is APY</span></div></a></li><li><a alt="Types of Savings Accounts" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/types-of-savings-accounts/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Types of Savings Accounts</span></div></a></li><li><a alt="Best High Yield Savings Accounts" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/the-best-high-yield-savings-accounts/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best High Yield Savings Accounts</span></div></a></li><li><a alt="Best Business Savings Accounts" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-business-savings-accounts/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Business Savings Accounts</span></div></a></li><li><a alt="Best Student Savings Accounts" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-student-savings-accounts/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Student Savings Accounts</span></div></a></li><li><a alt="Best Savings Accounts for Kids" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-savings-accounts-for-kids/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Savings Accounts for Kids</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">CDs</h3><ul><li><a alt="What Is A CD Account" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-a-certificate-of-deposit/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>What Is A CD Account</span></div></a></li><li><a alt="Best CD Rates" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-cd-rates/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best CD Rates</span></div></a></li><li><a alt="Best 3-Month CD Rates" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-3-month-cd-rates/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best 3-Month CD Rates</span></div></a></li><li><a alt="Best 6-Month CD Rates" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-6-month-cd-rates/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best 6-Month CD Rates</span></div></a></li><li><a alt="Best 1-Year CD Rates" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-1-year-cd-rates/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best 1-Year CD Rates</span></div></a></li><li><a alt="Best 2-Year CD Rates" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/2-year-cd-rates/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best 2-Year CD Rates</span></div></a></li><li><a alt="Best 5-Year CD Rates" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-5-year-cd-rates/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best 5-Year CD Rates</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Money Market</h3><ul><li><a alt="What Is A Money Market Account" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-a-money-market-account/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>What Is A Money Market Account</span></div></a></li><li><a alt="Money Market vs CD" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/money-market-vs-cd/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Money Market vs CD</span></div></a></li><li><a alt="Best Money Market Accounts" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-money-market-accounts/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Money Market Accounts</span></div></a></li><li><a alt="Business Money Market Accounts" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/business-money-market-accounts/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Business Money Market Accounts</span></div></a></li><li><a alt="Best Jumbo Money Market Rates" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-jumbo-money-market-rates/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Jumbo Money Market Rates</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Banks</h3><ul><li><a alt="U.S. Bank Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/u-s-bank-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>U.S. Bank Review</span></div></a></li><li><a alt="CIT Bank Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/cit-bank-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>CIT Bank Review</span></div></a></li><li><a alt="Chase Bank Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/chase-bank-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Chase Bank Review</span></div></a></li><li><a alt="Capital One Bank Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/capital-one-bank-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Capital One Bank Review</span></div></a></li><li><a alt="Discover Bank Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/discover-bank-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Discover Bank Review</span></div></a></li><li><a alt="Ally Bank Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/ally-bank-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Ally Bank Review</span></div></a></li><li><a alt="PNC Bank Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/pnc-bank-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>PNC Bank Review</span></div></a></li><li><a alt="Bask Bank Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/bask-bank-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Bask Bank Review</span></div></a></li><li><a alt="Axos Bank Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/axos-bank-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Axos Bank Review</span></div></a></li></ul></div></div><div class="desktop-drawer__Hideable-sc-3qwbjs-1 desktop-drawer__Section-sc-3qwbjs-5 kLtgsy eMNdJy"><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Personal</h3><ul><li><a alt="Best Banks for Personal Loans" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-banks-for-personal-loans/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Banks for Personal Loans</span></div></a></li><li><a alt="Best Loans for Bad Credit" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-bad-credit-loans/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Loans for Bad Credit</span></div></a></li><li><a alt="Best Debt Consolidation Loans" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-debt-consolidation-loans/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Debt Consolidation Loans</span></div></a></li><li><a alt="Best Quick Loans for Fast Cash" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-fast-personal-loans-for-quick-cash/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Quick Loans for Fast Cash</span></div></a></li><li><a alt="Best Vacation Loans" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-vacation-loans/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Vacation Loans</span></div></a></li><li><a alt="Best Wedding Loans" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-wedding-loans/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Wedding Loans</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Student</h3><ul><li><a alt="FAFSA Requirements" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/fafsa-requirements/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>FAFSA Requirements</span></div></a></li><li><a alt="Apply for Student Loan Forgiveness" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-apply-for-student-loan-forgiveness/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Apply for Student Loan Forgiveness</span></div></a></li><li><a alt="Subsidized vs Unsubsidized Student Loans" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/subsidized-vs-unsubsidized-student-loans/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Subsidized vs Unsubsidized Student Loans</span></div></a></li><li><a alt="When to Refinance Student Loans" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/should-you-refinance-your-student-loan/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>When to Refinance Student Loans</span></div></a></li><li><a alt="Best Student Loan Rates" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/student-loan-interest-rates/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Student Loan Rates</span></div></a></li><li><a alt="Best Private Student Loans" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-private-student-loans/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Private Student Loans</span></div></a></li><li><a alt="Best Student Loan Refinance Companies" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-student-loan-refinance-companies/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Student Loan Refinance Companies</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Auto</h3><ul><li><a alt="How Much Should My Car Payment Be" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-much-should-my-car-payment-be/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How Much Should My Car Payment Be</span></div></a></li><li><a alt="How to Get a Preapproved Car Loan" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-get-a-preapproved-car-loan/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Get a Preapproved Car Loan</span></div></a></li><li><a alt="How to Lower Your Car Payment" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-lower-your-car-payment/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Lower Your Car Payment</span></div></a></li><li><a alt="How to Refinance a Car Loan" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-refinance-a-car-loan/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Refinance a Car Loan</span></div></a></li><li><a alt="Best Auto Loan Rates &amp; Lenders" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-auto-loan-rates-and-lenders/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Auto Loan Rates &amp; Lenders</span></div></a></li><li><a alt="Best Auto Refinance Companies" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-auto-loan-refinance-lenders/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Auto Refinance Companies</span></div></a></li><li><a alt="Bad Credit Auto Loans" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/bad-credit-auto-loans/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Bad Credit Auto Loans</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">LOC/HELOC</h3><ul><li><a alt="What Is a Line of Credit" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-a-line-of-credit-and-how-does-it-work/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>What Is a Line of Credit</span></div></a></li><li><a alt="What Is a Home Equity Line of Credit" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/home-equity-loan/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>What Is a Home Equity Line of Credit</span></div></a></li><li><a alt="HELOC Requirements" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/home-equity-loan-or-heloc-requirements/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>HELOC Requirements</span></div></a></li><li><a alt="Home Equity Loan vs HELOC" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/home-equity-loan-vs-heloc/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Home Equity Loan vs HELOC</span></div></a></li><li><a alt="Heloc on Investment Property" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/heloc-on-investment-property/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Heloc on Investment Property</span></div></a></li><li><a alt="Is HELOC Interest Deductible" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/are-home-equity-loans-tax-deductible/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Is HELOC Interest Deductible</span></div></a></li><li><a alt="Best HELOC Rates" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-heloc-rates/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best HELOC Rates</span></div></a></li></ul></div></div><div class="desktop-drawer__Hideable-sc-3qwbjs-1 desktop-drawer__Section-sc-3qwbjs-5 kLtgsy eMNdJy"><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Car</h3><ul><li><a alt="Diminished Value Claim" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/deminished-value-claim/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Diminished Value Claim</span></div></a></li><li><a alt="RV Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/rv-insurance-guide/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>RV Insurance</span></div></a></li><li><a alt="After A Hit And Run Accident" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-to-do-after-a-hit-and-run-car-accident/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>After A Hit And Run Accident</span></div></a></li><li><a alt="Car Insurance Deductible" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-a-car-insurance-deductible/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Car Insurance Deductible</span></div></a></li><li><a alt="Liability vs Full Coverage Car Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/liability-only-vs-full-coverage-car-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Liability vs Full Coverage Car Insurance</span></div></a></li><li><a alt="How to Get Car Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-get-car-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Get Car Insurance</span></div></a></li><li><a alt="Best Car Insurance Companies" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-car-insurance-companies/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Car Insurance Companies</span></div></a></li></ul></div></div><div class="desktop-drawer__Hideable-sc-3qwbjs-1 desktop-drawer__Section-sc-3qwbjs-5 kLtgsy eMNdJy"><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Home</h3><ul><li><a alt="What Is Renters Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-renters-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>What Is Renters Insurance</span></div></a></li><li><a alt="Do You Need Home Warranty" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/do-you-need-home-warranty/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Do You Need Home Warranty</span></div></a></li><li><a alt="Best Renters Insurance Companies" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-renters-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Renters Insurance Companies</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Life</h3><ul><li><a alt="Types of Life Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/types-of-life-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Types of Life Insurance</span></div></a></li><li><a alt="Whole Life Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-whole-life-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Whole Life Insurance</span></div></a></li><li><a alt="Term Life Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-term-life-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Term Life Insurance</span></div></a></li><li><a alt="Universal Life Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-universal-life-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Universal Life Insurance</span></div></a></li><li><a alt="Term vs Whole Life Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/term-vs-whole-life-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Term vs Whole Life Insurance</span></div></a></li><li><a alt="Term vs Permanent Life Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/term-vs-permanent-life-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Term vs Permanent Life Insurance</span></div></a></li><li><a alt="Best Life Insurance Companies" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-life-insurance-companies/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Life Insurance Companies</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Pet</h3><ul><li><a alt="What Is Pet Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/is-pet-insurance-worth-it/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>What Is Pet Insurance</span></div></a></li><li><a alt="How Much Is Pet Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-the-cost-of-pet-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How Much Is Pet Insurance</span></div></a></li><li><a alt="Best Pet Insurance Companies" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-pet-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Pet Insurance Companies</span></div></a></li><li><a alt="Best Pet Insurance for Multiple Pets" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-pet-insurance-for-multiple-pets/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Pet Insurance for Multiple Pets</span></div></a></li><li><a alt="Pet Wellness Plans" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/pet-wellness-plans/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Pet Wellness Plans</span></div></a></li><li><a alt="Best Pet Dental Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/pet-dental-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Pet Dental Insurance</span></div></a></li><li><a alt="Lemonade Insurance Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/lemonade-insurance-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Lemonade Insurance Review</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Travel</h3><ul><li><a alt="What Is Travel Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-travel-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>What Is Travel Insurance</span></div></a></li><li><a alt="How Much Is Travel Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-much-is-travel-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How Much Is Travel Insurance</span></div></a></li><li><a alt="Best Travel Insurance Companies" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-travel-insurance-companies/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Travel Insurance Companies</span></div></a></li><li><a alt="Best Travel Insurance for Seniors" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-travel-insurance-for-seniors/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Travel Insurance for Seniors</span></div></a></li><li><a alt="Best CFAR Travel Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-cfar-travel-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best CFAR Travel Insurance</span></div></a></li><li><a alt="Best Cruise Travel Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-cruise-travel-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Cruise Travel Insurance</span></div></a></li><li><a alt="Travelers Insurance Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/travelers-insurance-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Travelers Insurance Review</span></div></a></li></ul></div></div><div class="desktop-drawer__Hideable-sc-3qwbjs-1 desktop-drawer__Section-sc-3qwbjs-5 kLtgsy eMNdJy"><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Trade</h3><ul><li><a alt="How Do Savings Bonds Work" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/savings-bonds-guide/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How Do Savings Bonds Work</span></div></a></li><li><a alt="ETFs vs Stocks" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/stocks-vs-etfs/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>ETFs vs Stocks</span></div></a></li><li><a alt="Best Online Brokers" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-online-brokers/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Online Brokers</span></div></a></li><li><a alt="Best Investing Apps" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-investing-apps/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Investing Apps</span></div></a></li><li><a alt="Best Index Funds" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-index-funds/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Index Funds</span></div></a></li><li><a alt="Robinhood Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/robinhood-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Robinhood Review</span></div></a></li><li><a alt="J.P. Morgan Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/jp-morgan-investing-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>J.P. Morgan Review</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Retirement</h3><ul><li><a alt="How to Plan for Retirement" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-plan-for-retirement/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Plan for Retirement</span></div></a></li><li><a alt="What Is A Roth 401(k)" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-a-roth-401-k/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>What Is A Roth 401(k)</span></div></a></li><li><a alt="Average 401(k) Return" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/average-return-rate-on-401k/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Average 401(k) Return</span></div></a></li><li><a alt="What Is a Backdoor Roth IRA" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/backdoor-roth-ira/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>What Is a Backdoor Roth IRA</span></div></a></li><li><a alt="Best Roth IRA Accounts" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-roth-ira-accounts/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Roth IRA Accounts</span></div></a></li><li><a alt="Empower Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/empower-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Empower Review</span></div></a></li><li><a alt="M1 Finance Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/m1-finance-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>M1 Finance Review</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Alternative</h3><ul><li><a alt="How to Invest in Real Estate" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-invest-in-real-estate/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Invest in Real Estate</span></div></a></li><li><a alt="Types of Real Estate Investments" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/types-of-real-estate-investments/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Types of Real Estate Investments</span></div></a></li><li><a alt="How to Invest In Art" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-invest-in-art/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Invest In Art</span></div></a></li><li><a alt="Best Alternative Investments" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/alternative-investments/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Alternative Investments</span></div></a></li><li><a alt="YieldStreet Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/yieldstreet-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>YieldStreet Review</span></div></a></li><li><a alt="RealtyMogul Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/realtymogul-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>RealtyMogul Review</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Strategies</h3><ul><li><a alt="Best Investments for Beginners" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-investments-for-beginners/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Investments for Beginners</span></div></a></li><li><a alt="Best Long Term Investments" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-long-term-investments/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Long Term Investments</span></div></a></li><li><a alt="How to Invest $1,000" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/ways-to-invest-1k/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Invest $1,000</span></div></a></li><li><a alt="How to Invest $10,000" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/ways-to-invest-10k/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Invest $10,000</span></div></a></li><li><a alt="How to Invest $20,000" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-invest-20k/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Invest $20,000</span></div></a></li><li><a alt="How to Invest $50,000" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-invest-50k/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Invest $50,000</span></div></a></li><li><a alt="How to Invest $100,000" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-way-to-invest-100k/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Invest $100,000</span></div></a></li></ul></div></div><div class="desktop-drawer__Hideable-sc-3qwbjs-1 desktop-drawer__Section-sc-3qwbjs-5 kLtgsy eMNdJy"><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Purchase</h3><ul><li><a alt="How to Buy a House" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-buy-a-house/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Buy a House</span></div></a></li><li><a alt="How to Get a Mortgage" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-get-a-mortgage/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Get a Mortgage</span></div></a></li><li><a aria-current="page" alt="Best VA Loans" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-va-loans/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best VA Loans</span></div></a></li><li><a alt="Best Mortgage Lenders" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-mortgage-lenders/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Mortgage Lenders</span></div></a></li><li><a alt="Best 15-Year Mortgage Rates" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-15-year-mortgage-rates/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best 15-Year Mortgage Rates</span></div></a></li><li><a alt="Best 30-Year Mortgage Rates" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-30-year-mortgage-rates/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best 30-Year Mortgage Rates</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Refinance</h3><ul><li><a alt="How to Refinance Your Mortgage" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-refinance-your-mortgage/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Refinance Your Mortgage</span></div></a></li><li><a alt="Best Cash Out Refinance Mortgages" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-cash-out-refinance-mortgages/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Cash Out Refinance Mortgages</span></div></a></li></ul></div></div></div></div></div></div></div></nav><span class="disclosure__StyledDisclosureWithGraphQL-sc-jz7pz2-0 jjUYQI 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class="MuiBreadcrumbs-li"><a class="link" href="/personal-finance/category/loans/">Loans</a></li></ol></nav><h1 class="hero___StyledH-sc-1ah6dyf-2 eufWfI">Best VA Loans for December 2024</h1></div><div class="hero___StyledDiv2-sc-1ah6dyf-3 jppBqK"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained hero__Image-sc-1ah6dyf-0 fjeKhV"><div style="max-width:909px;display:block"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg%20height=&#x27;548&#x27;%20width=&#x27;909&#x27;%20xmlns=&#x27;http://www.w3.org/2000/svg&#x27;%20version=&#x27;1.1&#x27;%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#f8f8f8;position:absolute;top:0;left:0;bottom:0;right:0"></div><picture><source type="image/webp" data-srcset="/personal-finance/static/dfc499ba5050c5924fb4e82f31ce9ff9/ac7b5/va-loans.webp 227w,/personal-finance/static/dfc499ba5050c5924fb4e82f31ce9ff9/ccd9b/va-loans.webp 455w,/personal-finance/static/dfc499ba5050c5924fb4e82f31ce9ff9/fcc1d/va-loans.webp 909w,/personal-finance/static/dfc499ba5050c5924fb4e82f31ce9ff9/e77f0/va-loans.webp 1818w" sizes="(min-width: 909px) 909px, 100vw"/><img data-gatsby-image-ssr="" data-main-image="" style="opacity:0" sizes="(min-width: 909px) 909px, 100vw" decoding="async" loading="lazy" data-src="/personal-finance/static/dfc499ba5050c5924fb4e82f31ce9ff9/8ae18/va-loans.jpg" data-srcset="/personal-finance/static/dfc499ba5050c5924fb4e82f31ce9ff9/601ad/va-loans.jpg 227w,/personal-finance/static/dfc499ba5050c5924fb4e82f31ce9ff9/a06bf/va-loans.jpg 455w,/personal-finance/static/dfc499ba5050c5924fb4e82f31ce9ff9/8ae18/va-loans.jpg 909w,/personal-finance/static/dfc499ba5050c5924fb4e82f31ce9ff9/fd8bd/va-loans.jpg 1818w" alt="Best VA loans"/></picture><noscript><picture><source type="image/webp" srcSet="/personal-finance/static/dfc499ba5050c5924fb4e82f31ce9ff9/ac7b5/va-loans.webp 227w,/personal-finance/static/dfc499ba5050c5924fb4e82f31ce9ff9/ccd9b/va-loans.webp 455w,/personal-finance/static/dfc499ba5050c5924fb4e82f31ce9ff9/fcc1d/va-loans.webp 909w,/personal-finance/static/dfc499ba5050c5924fb4e82f31ce9ff9/e77f0/va-loans.webp 1818w" sizes="(min-width: 909px) 909px, 100vw"/><img data-gatsby-image-ssr="" data-main-image="" style="opacity:0" sizes="(min-width: 909px) 909px, 100vw" decoding="async" loading="lazy" src="/personal-finance/static/dfc499ba5050c5924fb4e82f31ce9ff9/8ae18/va-loans.jpg" srcSet="/personal-finance/static/dfc499ba5050c5924fb4e82f31ce9ff9/601ad/va-loans.jpg 227w,/personal-finance/static/dfc499ba5050c5924fb4e82f31ce9ff9/a06bf/va-loans.jpg 455w,/personal-finance/static/dfc499ba5050c5924fb4e82f31ce9ff9/8ae18/va-loans.jpg 909w,/personal-finance/static/dfc499ba5050c5924fb4e82f31ce9ff9/fd8bd/va-loans.jpg 1818w" alt="Best VA loans"/></picture></noscript><script type="module">const t="undefined"!=typeof HTMLImageElement&&"loading"in HTMLImageElement.prototype;if(t){const t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div><div class="image-credit___StyledDiv-sc-19n6y7h-0 fsbWzQ image-credit">iStock</div></div></main></div></div><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation0 default-layout__Paper-sc-16blu7k-2 hBinPW css-zmnxdm"><div class="default-layout__Container-sc-16blu7k-3 jkivry"><main class="default-layout__Main-sc-16blu7k-1 fTECoJ"><div class="article-template___StyledDiv-sc-53h2j6-0 gQgIsO"><div class="sc-dSCufp jnkhiP"><div class="mdx-styled-renderer___StyledDiv-sc-1occper-0 mUBHZ"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation0 text-block__Paper-sc-lt00f8-0 fmvTfJ text-block__TextBlock-sc-1jvm6pm-0 jxoTFa alt-editors-note css-zmnxdm"><p>Our evaluations and opinions are not influenced by our advertising relationships, but we may earn a commission from our partners’ links. This content is created by TIME Stamped, under TIME’s direction and produced in accordance with TIME’s editorial guidelines and overseen by TIME’s editorial staff. <a href="https://time.com/longform/about-time/" target="_blank" rel="nofollow">Learn more about it</a>.</p></div></div><div class="article-details___StyledDiv-sc-iyfyqp-2 cHOVSZ"><div class="article-details__AuthorContainer-sc-iyfyqp-1 chgvbT"><div class="article-details___StyledDiv2-sc-iyfyqp-3 csKPLZ"><span class="article-details___StyledSpan-sc-iyfyqp-4 iUjgwn"><div class="author author__AuthorBlock-sc-1p9suag-0 article-details__AuthorBlock-sc-iyfyqp-0 fOCth bJMeeh"><div class="name"><span role="link" tabindex="0"><span class="label-prefix">by<!-- --> </span><a href="/personal-finance/author/catherine-hiles/">Catherine Hiles</a></span></div></div><a title="Catherine Hiles X account" aria-label="Go to Catherine Hiles X account" class="article-details___StyledExternalLink-sc-iyfyqp-5 kKQLGV" href="https://x.com/hilescat/" target="_blank" rel="nofollow"><svg xmlns="http://www.w3.org/2000/svg" width="15" height="15" fill="none" aria-hidden="true" viewBox="0 0 1200 1227" class="article-details___StyledFaTwitter-sc-iyfyqp-6 bvGzmI"><path fill="#000" d="M714.163 519.284 1160.89 0h-105.86L667.137 450.887 357.328 0H0l468.492 681.821L0 1226.37h105.866l409.625-476.152 327.181 476.152H1200L714.137 519.284zM569.165 687.828l-47.468-67.894-377.686-540.24h162.604l304.797 435.991 47.468 67.894 396.2 566.721H892.476L569.165 687.854z"></path></svg></a></span></div><div class="sc-ddjGPC bdnFEc display-date"><span><span class="label-prefix">updated:<!-- --> </span><span>October 8, 2024</span></span></div></div><div class="article-details___StyledDiv3-sc-iyfyqp-7 ksspqw"><div class="author author__AuthorBlock-sc-1p9suag-0 article-details__AuthorBlock-sc-iyfyqp-0 fOCth bJMeeh"><div class="name"><span role="link" tabindex="0"><span class="label-prefix">edited by<!-- --> </span><a href="/personal-finance/author/colin-graves/">Colin Graves</a></span></div></div><span aria-hidden="true">|</span><div class="author author__AuthorBlock-sc-1p9suag-0 article-details__AuthorBlock-sc-iyfyqp-0 fOCth bJMeeh"><div class="name"><span role="link" tabindex="0"><a href="/personal-finance/author/julia-kagan/">Julia Kagan</a></span></div></div></div></div><div class="mdx-styled-renderer___StyledDiv-sc-1occper-0 mUBHZ sc-fxwrCY fgaJwE"><p>A VA loan is a mortgage loan guaranteed by the U.S. Department of Veterans Affairs. Eligible borrowers can enjoy several perks, including no down payment or mortgage insurance requirements, and lower rates than other types of mortgages. If you’re considering a VA loan for your <a href="https://time.com/personal-finance/article/best-time-to-buy-a-home/" target="_blank" rel="nofollow">home purchase</a>, this guide can help point you in the right direction.</p> <h2 id="best-va-loans-compared">Best VA loans compared</h2> <div class="wrapper__Wrapper-sc-1nbwfq1-0 jMCZkI wrapper__StyledTableWrapper-sc-1lg67ad-0 responsive-table__TableWrapper-sc-gs87lm-0 cjPmCo cQlyyR"><table class="wrapper__Table-sc-1nbwfq1-1 iYXWdO not-prose"><thead class="wrapper__Thead-sc-1nbwfq1-2 kFLxGW"><tr class="wrapper__Tr-sc-1nbwfq1-4 oGfrp"><th class="wrapper__Th-sc-1nbwfq1-3 gUICYl table-header">Loan provider</th><th class="wrapper__Th-sc-1nbwfq1-3 gUICYl table-header">Best for</th><th class="wrapper__Th-sc-1nbwfq1-3 gUICYl table-header">APR*</th><th class="wrapper__Th-sc-1nbwfq1-3 gUICYl table-header">Minimum credit score</th><th class="wrapper__Th-sc-1nbwfq1-3 gUICYl table-header">Time to close</th></tr></thead><tbody class="wrapper__Tbody-sc-1nbwfq1-5 kklmFK"><tr class="table-row"><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value"><a class="affiliate-link-link" href="https://www.credible.com/personal-loan/lp/penfed?preferred_lender=penfed_pl&amp;utm_content=TIME&amp;utm_medium=referral&amp;utm_source=taboola" target="_blank" rel="nofollow">Penfed</a></div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">Low APR</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">6.28%</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">620</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">30-40 days</div></div></td></tr><tr class="table-row"><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value"><a class="affiliate-link-link" href="https://secure.money.com/pr/y6f158179a2e?s1=TIME" target="_blank" rel="nofollow">Rocket Mortgage</a></div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">Online lending</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">7.18%</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">580 to 620</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">47 days</div></div></td></tr><tr class="table-row"><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">New American Funding</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">Fair credit</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">6.56%</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">580</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">Not specified</div></div></td></tr><tr class="table-row"><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">USAA</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">Refinancing</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">6.83%</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">620 to 640</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">Not specified</div></div></td></tr><tr class="table-row"><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">Veterans United</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">Loan choices</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">6.66%</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">620</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">35 days</div></div></td></tr><tr class="table-row"><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">Guaranteed Rate</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">Home-buying tools</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">6.67%</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">580 to 600</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">21-30 days</div></div></td></tr><tr class="table-row"><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">Navy Federal Credit Union</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">Rebates</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">6.56%</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">Not specified</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">30 days</div></div></td></tr></tbody></table></div> <p><em>*APR accurate as of Feb. 20, 2024, 30-Year Fixed VA Purchase Loan.</em></p> <h2 id="our-recommendations-for-best-va-loan-providers">Our recommendations for best VA loan providers</h2> <h3>Best for low APR: <a class="affiliate-link-link" href="https://www.credible.com/personal-loan/lp/penfed?preferred_lender=penfed_pl&amp;utm_content=TIME&amp;utm_medium=referral&amp;utm_source=taboola" target="_blank" rel="nofollow">PenFed Credit Union</a></h3> <div class="wrapper__StyledWrapper-sc-v8tnl8-0 dHvzgH wrapper"><div class="card__Wrapper-sc-1ot7p5b-0 hevEvL card__StyledProductCardDefaultUI-sc-1njn2jf-0 kwiAGQ"><div class="best-for-wrapper"></div><div class="card-content"><div class="card-header"><div class="card-header-title"><div class="product-image"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained"><div style="max-width:560px;display:block"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg%20height=&#x27;199.7058823529412&#x27;%20width=&#x27;560&#x27;%20xmlns=&#x27;http://www.w3.org/2000/svg&#x27;%20version=&#x27;1.1&#x27;%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#080808;position:absolute;top:0;left:0;bottom:0;right:0"></div><picture><source type="image/webp" data-srcset="/personal-finance/static/b20aec0e41f33624151ce5867c9e76d3/36521/penfed-car-loan.webp 68w,/personal-finance/static/b20aec0e41f33624151ce5867c9e76d3/b675b/penfed-car-loan.webp 136w,/personal-finance/static/b20aec0e41f33624151ce5867c9e76d3/71088/penfed-car-loan.webp 272w" sizes="(min-width: 272px) 272px, 100vw"/><img data-gatsby-image-ssr="" title="PenFed" data-main-image="" style="opacity:0" sizes="(min-width: 272px) 272px, 100vw" decoding="async" loading="lazy" data-src="/personal-finance/static/b20aec0e41f33624151ce5867c9e76d3/581d6/penfed-car-loan.png" data-srcset="/personal-finance/static/b20aec0e41f33624151ce5867c9e76d3/e3ba1/penfed-car-loan.png 68w,/personal-finance/static/b20aec0e41f33624151ce5867c9e76d3/4d629/penfed-car-loan.png 136w,/personal-finance/static/b20aec0e41f33624151ce5867c9e76d3/581d6/penfed-car-loan.png 272w" alt="PenFed"/></picture><noscript><picture><source type="image/webp" srcSet="/personal-finance/static/b20aec0e41f33624151ce5867c9e76d3/36521/penfed-car-loan.webp 68w,/personal-finance/static/b20aec0e41f33624151ce5867c9e76d3/b675b/penfed-car-loan.webp 136w,/personal-finance/static/b20aec0e41f33624151ce5867c9e76d3/71088/penfed-car-loan.webp 272w" sizes="(min-width: 272px) 272px, 100vw"/><img data-gatsby-image-ssr="" title="PenFed" data-main-image="" style="opacity:0" sizes="(min-width: 272px) 272px, 100vw" decoding="async" loading="lazy" src="/personal-finance/static/b20aec0e41f33624151ce5867c9e76d3/581d6/penfed-car-loan.png" srcSet="/personal-finance/static/b20aec0e41f33624151ce5867c9e76d3/e3ba1/penfed-car-loan.png 68w,/personal-finance/static/b20aec0e41f33624151ce5867c9e76d3/4d629/penfed-car-loan.png 136w,/personal-finance/static/b20aec0e41f33624151ce5867c9e76d3/581d6/penfed-car-loan.png 272w" alt="PenFed"/></picture></noscript><script type="module">const t="undefined"!=typeof HTMLImageElement&&"loading"in HTMLImageElement.prototype;if(t){const t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div></div><h3 class="product-title">PenFed Credit Union VA Loan</h3></div><div class="button-container"><span class="affiliate-link__ButtonContainer-sc-1rrvr5-1 dtYZoC"><a class="MuiButtonBase-root MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary button-wrapper__Button-sc-14zhkb9-0 bDOJJg affiliate-link__LinkButton-sc-1rrvr5-0 iMkbHM affiliate-link-button product-button__StyledCTA-sc-12r0m5o-0 iEqSFz css-1lpukdo" tabindex="0" href="https://www.credible.com/personal-loan/lp/penfed?preferred_lender=penfed_pl&amp;utm_content=TIME&amp;utm_medium=referral&amp;utm_source=taboola" target="_blank" rel="nofollow"><span class="MuiButton-label">View Offer</span></a></span></div></div><div class="card-details"><div class="best-for-wrapper"></div><h3 class="product-title">PenFed Credit Union VA Loan</h3><div class="fields-wrapper"><div class="fields-section section-1"><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX apr field"><div class="title">APR</div><div class="value">6.28%</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX min-credit-score field"><div class="title">Min. credit score</div><div class="value">620</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX description field"><div class="title">Time to close</div><div class="value">30-40 days</div></div></div></div></div></div><div class="section-3"></div></div></div> <p>APRs for VA loans tend to be lower than other types of loans, but PenFed Credit Union takes it further by offering <a class="affiliate-link-link" href="https://www.credible.com/personal-loan/lp/penfed?preferred_lender=penfed_pl&amp;utm_content=TIME&amp;utm_medium=referral&amp;utm_source=taboola" target="_blank" rel="nofollow">APRs as low as 6.278%</a>—the only lender on our list with an APR under 6.5%. However, PenFed doesn’t consider alternative credit data, so those with thin credit files may need to look elsewhere for their home loans. Closing can take between 30 and 45 days.</p> <p>To get a <a class="affiliate-link-link" href="https://www.credible.com/personal-loan/lp/penfed?preferred_lender=penfed_pl&amp;utm_content=TIME&amp;utm_medium=referral&amp;utm_source=taboola" target="_blank" rel="nofollow">VA loan from PenFed</a>, you must be a credit union member. This adds an extra step to the application process, but membership has a number of perks that make it worthwhile. These include member discounts on auto and home insurance, tax filing, home security, and shopping.</p> <div class="multi-list__StyledMultiList-sc-1ixx0ao-0 iPYeHW multi-list pros-and-cons multi-list__StyledMultiList-sc-jcbe35-0 hhyQUr"><div class="list"><h4 class="title">Pros:</h4><div class="content"><ul> <li>Low APR of 6.278%.</li> <li>Loans available up to $1 million.</li> <li>Numerous perks for PenFed Credit Union members.</li> </ul></div></div><div class="list"><h4 class="title">Cons:</h4><div class="content"><ul> <li>Alternative credit data not considered.</li> <li>Must be a PenFed Credit Union member to qualify.</li> </ul></div></div></div> <hr/> <h3>Best for online lending: <a class="affiliate-link-link" href="https://secure.money.com/pr/y6f158179a2e?s1=TIME" target="_blank" rel="nofollow">Rocket Mortgage</a></h3> <div class="wrapper__StyledWrapper-sc-v8tnl8-0 dHvzgH wrapper"><div class="card__Wrapper-sc-1ot7p5b-0 hevEvL card__StyledProductCardDefaultUI-sc-1njn2jf-0 kwiAGQ"><div class="best-for-wrapper"></div><div class="card-content"><div class="card-header"><div class="card-header-title"><div class="product-image"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained"><div style="max-width:560px;display:block"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg%20height=&#x27;200.35555555555555&#x27;%20width=&#x27;560&#x27;%20xmlns=&#x27;http://www.w3.org/2000/svg&#x27;%20version=&#x27;1.1&#x27;%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#f8f8f8;position:absolute;top:0;left:0;bottom:0;right:0"></div><picture><source type="image/webp" data-srcset="/personal-finance/static/0a697ced2ac72d7181d1b1f9dffb09b2/dd793/rocket-mortgage.webp 113w,/personal-finance/static/0a697ced2ac72d7181d1b1f9dffb09b2/dc7cd/rocket-mortgage.webp 225w,/personal-finance/static/0a697ced2ac72d7181d1b1f9dffb09b2/849d6/rocket-mortgage.webp 450w" sizes="(min-width: 450px) 450px, 100vw"/><img data-gatsby-image-ssr="" title="Rocket Mortgage" data-main-image="" style="opacity:0" sizes="(min-width: 450px) 450px, 100vw" decoding="async" loading="lazy" data-src="/personal-finance/static/0a697ced2ac72d7181d1b1f9dffb09b2/77fee/rocket-mortgage.png" data-srcset="/personal-finance/static/0a697ced2ac72d7181d1b1f9dffb09b2/f598f/rocket-mortgage.png 113w,/personal-finance/static/0a697ced2ac72d7181d1b1f9dffb09b2/70081/rocket-mortgage.png 225w,/personal-finance/static/0a697ced2ac72d7181d1b1f9dffb09b2/77fee/rocket-mortgage.png 450w" alt="Rocket Mortgage"/></picture><noscript><picture><source type="image/webp" srcSet="/personal-finance/static/0a697ced2ac72d7181d1b1f9dffb09b2/dd793/rocket-mortgage.webp 113w,/personal-finance/static/0a697ced2ac72d7181d1b1f9dffb09b2/dc7cd/rocket-mortgage.webp 225w,/personal-finance/static/0a697ced2ac72d7181d1b1f9dffb09b2/849d6/rocket-mortgage.webp 450w" sizes="(min-width: 450px) 450px, 100vw"/><img data-gatsby-image-ssr="" title="Rocket Mortgage" data-main-image="" style="opacity:0" sizes="(min-width: 450px) 450px, 100vw" decoding="async" loading="lazy" src="/personal-finance/static/0a697ced2ac72d7181d1b1f9dffb09b2/77fee/rocket-mortgage.png" srcSet="/personal-finance/static/0a697ced2ac72d7181d1b1f9dffb09b2/f598f/rocket-mortgage.png 113w,/personal-finance/static/0a697ced2ac72d7181d1b1f9dffb09b2/70081/rocket-mortgage.png 225w,/personal-finance/static/0a697ced2ac72d7181d1b1f9dffb09b2/77fee/rocket-mortgage.png 450w" alt="Rocket Mortgage"/></picture></noscript><script type="module">const t="undefined"!=typeof HTMLImageElement&&"loading"in HTMLImageElement.prototype;if(t){const t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div></div><h3 class="product-title">Rocket Mortgage</h3></div><div class="button-container"><span class="affiliate-link__ButtonContainer-sc-1rrvr5-1 dtYZoC"><a class="MuiButtonBase-root MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary button-wrapper__Button-sc-14zhkb9-0 bDOJJg affiliate-link__LinkButton-sc-1rrvr5-0 iMkbHM affiliate-link-button product-button__StyledCTA-sc-12r0m5o-0 iEqSFz css-1lpukdo" tabindex="0" href="https://secure.money.com/pr/y6f158179a2e?s1=TIME" target="_blank" rel="nofollow"><span class="MuiButton-label">View Offer</span></a></span></div></div><div class="card-details"><div class="best-for-wrapper"></div><h3 class="product-title">Rocket Mortgage</h3><div class="fields-wrapper"><div class="fields-section section-1"><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX apr field"><div class="title">APR</div><div class="value">7.18%</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX min-credit-score field"><div class="title">Min. credit score</div><div class="value">580 to 620</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX description field"><div class="title">Time to close</div><div class="value">47 days</div></div></div></div></div></div><div class="section-3"></div></div></div> <p><a class="affiliate-link-link" href="https://secure.money.com/pr/y6f158179a2e?s1=TIME" target="_blank" rel="nofollow">Rocket Mortgage</a> is a premier <a href="https://time.com/personal-finance/article/best-online-mortgage-lenders/" target="_blank" rel="nofollow">online mortgage lender</a> offering numerous financial products, including VA loans. The lender accepts borrowers with credit scores as low as 580 and DTI ratios as high as 60%, making it easier to qualify for a VA loan. If your application is approved, you can access loan information 24/7 through the user-friendly Rocket Mortgage app.</p> <p><a class="affiliate-link-link" href="https://secure.money.com/pr/y6f158179a2e?s1=TIME" target="_blank" rel="nofollow">Rocket Mortgage</a> doesn’t offer any <a href="https://time.com/personal-finance/article/what-is-a-home-equity-line-of-credit/" target="_blank" rel="nofollow">home equity lines of credit (HELOC)</a>, which could rule it out for some borrowers. There are also no physical locations, which may not be an issue for those who are comfortable with doing business online but could be a downside for some.</p> <p><a class="affiliate-link-link" href="https://secure.money.com/pr/y6f158179a2e?s1=TIME" target="_blank" rel="nofollow">Rocket Mortgage</a>’s starting APR for VA loans was 7.185% as of Feb. 20, 2024. You can expect to close in around 47 days.</p> <div class="multi-list__StyledMultiList-sc-1ixx0ao-0 iPYeHW multi-list pros-and-cons multi-list__StyledMultiList-sc-jcbe35-0 hhyQUr"><div class="list"><h4 class="title">Pros:</h4><div class="content"><ul> <li>Loan information available 24/7 through Rocket Mortgage app.</li> <li>Borrowers with credit scores as low as 580 considered..</li> <li>Borrowers with a debt-to-income ratio as high as 60% accepted.</li> <li>Flexible mortgage terms.</li> </ul></div></div><div class="list"><h4 class="title">Cons:</h4><div class="content"><ul> <li>No home equity line of credit option available.No physical locations.</li> </ul></div></div></div> <hr/> <h3>Best for fair credit: New American Funding</h3> <div class="wrapper__StyledWrapper-sc-v8tnl8-0 dHvzgH wrapper"><div class="card__Wrapper-sc-1ot7p5b-0 hevEvL card__StyledProductCardDefaultUI-sc-1njn2jf-0 kwiAGQ"><div class="best-for-wrapper"></div><div class="card-content"><div class="card-header"><div class="card-header-title"><div class="product-image"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained"><div style="max-width:560px;display:block"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg%20height=&#x27;200.35555555555555&#x27;%20width=&#x27;560&#x27;%20xmlns=&#x27;http://www.w3.org/2000/svg&#x27;%20version=&#x27;1.1&#x27;%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#080808;position:absolute;top:0;left:0;bottom:0;right:0"></div><picture><source type="image/webp" data-srcset="/personal-finance/static/eadcd11d7b241f674dd068ae97567770/dd793/new-american-funding.webp 113w,/personal-finance/static/eadcd11d7b241f674dd068ae97567770/dc7cd/new-american-funding.webp 225w,/personal-finance/static/eadcd11d7b241f674dd068ae97567770/849d6/new-american-funding.webp 450w" sizes="(min-width: 450px) 450px, 100vw"/><img data-gatsby-image-ssr="" title="New American Funding" data-main-image="" style="opacity:0" sizes="(min-width: 450px) 450px, 100vw" decoding="async" loading="lazy" data-src="/personal-finance/static/eadcd11d7b241f674dd068ae97567770/77fee/new-american-funding.png" data-srcset="/personal-finance/static/eadcd11d7b241f674dd068ae97567770/f598f/new-american-funding.png 113w,/personal-finance/static/eadcd11d7b241f674dd068ae97567770/70081/new-american-funding.png 225w,/personal-finance/static/eadcd11d7b241f674dd068ae97567770/77fee/new-american-funding.png 450w" alt="New American Funding"/></picture><noscript><picture><source type="image/webp" srcSet="/personal-finance/static/eadcd11d7b241f674dd068ae97567770/dd793/new-american-funding.webp 113w,/personal-finance/static/eadcd11d7b241f674dd068ae97567770/dc7cd/new-american-funding.webp 225w,/personal-finance/static/eadcd11d7b241f674dd068ae97567770/849d6/new-american-funding.webp 450w" sizes="(min-width: 450px) 450px, 100vw"/><img data-gatsby-image-ssr="" title="New American Funding" data-main-image="" style="opacity:0" sizes="(min-width: 450px) 450px, 100vw" decoding="async" loading="lazy" src="/personal-finance/static/eadcd11d7b241f674dd068ae97567770/77fee/new-american-funding.png" srcSet="/personal-finance/static/eadcd11d7b241f674dd068ae97567770/f598f/new-american-funding.png 113w,/personal-finance/static/eadcd11d7b241f674dd068ae97567770/70081/new-american-funding.png 225w,/personal-finance/static/eadcd11d7b241f674dd068ae97567770/77fee/new-american-funding.png 450w" alt="New American Funding"/></picture></noscript><script type="module">const t="undefined"!=typeof HTMLImageElement&&"loading"in HTMLImageElement.prototype;if(t){const t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div></div><h3 class="product-title">New American Funding</h3></div></div><div class="card-details"><div class="best-for-wrapper"></div><h3 class="product-title">New American Funding</h3><div class="fields-wrapper"><div class="fields-section section-1"><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX apr field"><div class="title">APR</div><div class="value">6.56%</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX min-credit-score field"><div class="title">Min. credit score</div><div class="value">580</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX description field"><div class="title">Time to close</div><div class="value">Not specified</div></div></div></div></div></div><div class="section-3"></div></div></div> <p>New American Funding reportedly accepts VA loan applicants with credit scores as low as 580. Many lenders require a higher credit score of 620 and up, making New American Funding a solid choice for those with fair credit scores. New American is also one of the top lenders for Latino borrowers through the <a href="https://www.newamericanfunding.com/latino-focus/?nafsource=globalnav" target="_blank" rel="nofollow">Latino Focus initiative</a>, which has a commitment to fund $2 billion in loans to Latino customers in 2024.</p> <p>The APR for New American Funding’s VA loans starts at 6.563%, though the lender doesn’t specify an average closing time. Unfortunately, you’ll need to submit your contact information to get a rate quote, which could lead to incessant emails or calls.</p> <div class="multi-list__StyledMultiList-sc-1ixx0ao-0 iPYeHW multi-list pros-and-cons multi-list__StyledMultiList-sc-jcbe35-0 hhyQUr"><div class="list"><h4 class="title">Pros:</h4><div class="content"><ul> <li>Borrowers with credit scores as low as 580 accepted.</li> <li>A top lender for minority homebuyers.</li> </ul></div></div><div class="list"><h4 class="title">Cons:</h4><div class="content"><ul> <li>No closing time specified.</li> <li>Contact information required for a quote.</li> </ul></div></div></div> <hr/> <h3>Best for refinancing: USAA</h3> <div class="wrapper__StyledWrapper-sc-v8tnl8-0 dHvzgH wrapper"><div class="card__Wrapper-sc-1ot7p5b-0 hevEvL card__StyledProductCardDefaultUI-sc-1njn2jf-0 kwiAGQ"><div class="best-for-wrapper"></div><div class="card-content"><div class="card-header"><div class="card-header-title"><div class="product-image"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained"><div style="max-width:560px;display:block"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg%20height=&#x27;199.67213114754097&#x27;%20width=&#x27;560&#x27;%20xmlns=&#x27;http://www.w3.org/2000/svg&#x27;%20version=&#x27;1.1&#x27;%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#080808;position:absolute;top:0;left:0;bottom:0;right:0"></div><picture><source type="image/webp" data-srcset="/personal-finance/static/0a3be766021e6a5b940bd356d13309c2/2fcdc/usaa-logo.webp 122w,/personal-finance/static/0a3be766021e6a5b940bd356d13309c2/38d4a/usaa-logo.webp 244w,/personal-finance/static/0a3be766021e6a5b940bd356d13309c2/f1218/usaa-logo.webp 488w" sizes="(min-width: 488px) 488px, 100vw"/><img data-gatsby-image-ssr="" title="USAA" data-main-image="" style="opacity:0" sizes="(min-width: 488px) 488px, 100vw" decoding="async" loading="lazy" data-src="/personal-finance/static/0a3be766021e6a5b940bd356d13309c2/7fea5/usaa-logo.png" data-srcset="/personal-finance/static/0a3be766021e6a5b940bd356d13309c2/b8dc7/usaa-logo.png 122w,/personal-finance/static/0a3be766021e6a5b940bd356d13309c2/b2368/usaa-logo.png 244w,/personal-finance/static/0a3be766021e6a5b940bd356d13309c2/7fea5/usaa-logo.png 488w" alt="USAA"/></picture><noscript><picture><source type="image/webp" srcSet="/personal-finance/static/0a3be766021e6a5b940bd356d13309c2/2fcdc/usaa-logo.webp 122w,/personal-finance/static/0a3be766021e6a5b940bd356d13309c2/38d4a/usaa-logo.webp 244w,/personal-finance/static/0a3be766021e6a5b940bd356d13309c2/f1218/usaa-logo.webp 488w" sizes="(min-width: 488px) 488px, 100vw"/><img data-gatsby-image-ssr="" title="USAA" data-main-image="" style="opacity:0" sizes="(min-width: 488px) 488px, 100vw" decoding="async" loading="lazy" src="/personal-finance/static/0a3be766021e6a5b940bd356d13309c2/7fea5/usaa-logo.png" srcSet="/personal-finance/static/0a3be766021e6a5b940bd356d13309c2/b8dc7/usaa-logo.png 122w,/personal-finance/static/0a3be766021e6a5b940bd356d13309c2/b2368/usaa-logo.png 244w,/personal-finance/static/0a3be766021e6a5b940bd356d13309c2/7fea5/usaa-logo.png 488w" alt="USAA"/></picture></noscript><script type="module">const t="undefined"!=typeof HTMLImageElement&&"loading"in HTMLImageElement.prototype;if(t){const t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div></div><h3 class="product-title">USAA VA Loan</h3></div></div><div class="card-details"><div class="best-for-wrapper"></div><h3 class="product-title">USAA VA Loan</h3><div class="fields-wrapper"><div class="fields-section section-1"><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX apr field"><div class="title">APR</div><div class="value">6.83%</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX min-credit-score field"><div class="title">Min. credit score</div><div class="value">620 to 640</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX description field"><div class="title">Time to close</div><div class="value">Not specified</div></div></div></div></div></div><div class="section-3"></div></div></div> <p>USAA has three different VA refinancing options: a cash-out refinance, an interest rate reduction refinance loan (IRRRL), and a jumbo IRRRL. Eligible borrowers with a home loan can take advantage of one of these options to lock in a lower interest rate or get cash equity to fund a home improvement project, <a href="https://time.com/5934995/paying-for-college-affordable/" target="_blank" rel="nofollow">pay for college</a>, or cover an unexpected expense. However, USAA doesn’t offer home equity options (such as a loan or line of credit) beyond the cash-out refinance.</p> <p>To get a VA loan from USAA, you must be a USAA member, which adds an extra step for those without membership. However, becoming a member is free and USAA membership comes with numerous perks, including travel, car rental, and shopping discounts.</p> <p>As of Feb. 20, 2024, a VA loan from USAA had a starting APR of 6.835%. Closing times for USAA VA loans are not specified on its website.</p> <div class="multi-list__StyledMultiList-sc-1ixx0ao-0 iPYeHW multi-list pros-and-cons multi-list__StyledMultiList-sc-jcbe35-0 hhyQUr"><div class="list"><h4 class="title">Pros:</h4><div class="content"><ul> <li>Multiple VA options for mortgage refinancing.</li> <li>Bundling discount available for insurance.</li> <li>Numerous perks for USAA customers.</li> </ul></div></div><div class="list"><h4 class="title">Cons:</h4><div class="content"><ul> <li>USAA membership required.</li> <li>No home equity loan or line of credit option.</li> </ul></div></div></div> <hr/> <h3>Best for loan choices: Veterans United</h3> <div class="wrapper__StyledWrapper-sc-v8tnl8-0 dHvzgH wrapper"><div class="card__Wrapper-sc-1ot7p5b-0 hevEvL card__StyledProductCardDefaultUI-sc-1njn2jf-0 kwiAGQ"><div class="best-for-wrapper"></div><div class="card-content"><div class="card-header"><div class="card-header-title"><div class="product-image"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained"><div style="max-width:560px;display:block"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg%20height=&#x27;200&#x27;%20width=&#x27;560&#x27;%20xmlns=&#x27;http://www.w3.org/2000/svg&#x27;%20version=&#x27;1.1&#x27;%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#080808;position:absolute;top:0;left:0;bottom:0;right:0"></div><picture><source type="image/webp" data-srcset="/personal-finance/static/3348c130d4340fc42be25e9ed6668c5a/4cf61/vet-united.webp 140w,/personal-finance/static/3348c130d4340fc42be25e9ed6668c5a/514b4/vet-united.webp 280w,/personal-finance/static/3348c130d4340fc42be25e9ed6668c5a/a8374/vet-united.webp 560w,/personal-finance/static/3348c130d4340fc42be25e9ed6668c5a/57d28/vet-united.webp 1120w" sizes="(min-width: 560px) 560px, 100vw"/><img data-gatsby-image-ssr="" title="Veterans United" data-main-image="" style="opacity:0" sizes="(min-width: 560px) 560px, 100vw" decoding="async" loading="lazy" data-src="/personal-finance/static/3348c130d4340fc42be25e9ed6668c5a/3bdde/vet-united.png" data-srcset="/personal-finance/static/3348c130d4340fc42be25e9ed6668c5a/fcb50/vet-united.png 140w,/personal-finance/static/3348c130d4340fc42be25e9ed6668c5a/dd079/vet-united.png 280w,/personal-finance/static/3348c130d4340fc42be25e9ed6668c5a/3bdde/vet-united.png 560w,/personal-finance/static/3348c130d4340fc42be25e9ed6668c5a/a8f08/vet-united.png 1120w" alt="Veterans United"/></picture><noscript><picture><source type="image/webp" srcSet="/personal-finance/static/3348c130d4340fc42be25e9ed6668c5a/4cf61/vet-united.webp 140w,/personal-finance/static/3348c130d4340fc42be25e9ed6668c5a/514b4/vet-united.webp 280w,/personal-finance/static/3348c130d4340fc42be25e9ed6668c5a/a8374/vet-united.webp 560w,/personal-finance/static/3348c130d4340fc42be25e9ed6668c5a/57d28/vet-united.webp 1120w" sizes="(min-width: 560px) 560px, 100vw"/><img data-gatsby-image-ssr="" title="Veterans United" data-main-image="" style="opacity:0" sizes="(min-width: 560px) 560px, 100vw" decoding="async" loading="lazy" src="/personal-finance/static/3348c130d4340fc42be25e9ed6668c5a/3bdde/vet-united.png" srcSet="/personal-finance/static/3348c130d4340fc42be25e9ed6668c5a/fcb50/vet-united.png 140w,/personal-finance/static/3348c130d4340fc42be25e9ed6668c5a/dd079/vet-united.png 280w,/personal-finance/static/3348c130d4340fc42be25e9ed6668c5a/3bdde/vet-united.png 560w,/personal-finance/static/3348c130d4340fc42be25e9ed6668c5a/a8f08/vet-united.png 1120w" alt="Veterans United"/></picture></noscript><script type="module">const t="undefined"!=typeof HTMLImageElement&&"loading"in HTMLImageElement.prototype;if(t){const t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div></div><h3 class="product-title">Veterans United</h3></div></div><div class="card-details"><div class="best-for-wrapper"></div><h3 class="product-title">Veterans United</h3><div class="fields-wrapper"><div class="fields-section section-1"><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX apr field"><div class="title">APR</div><div class="value">6.66%</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX min-credit-score field"><div class="title">Min. credit score</div><div class="value">620</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX description field"><div class="title">Time to close</div><div class="value">35 days</div></div></div></div></div></div><div class="section-3"></div></div></div> <p>Veterans United offers several VA loan choices. Fixed VA purchase loans come with terms of 20 or 30 years, and you can get a 30-year fixed VA jumbo loan for more expensive home purchases. There are also several options for refinancing, including a 30-year cash-out refinance and a 30-year streamline, or IRRRL, refinance. Both refinance options are available for <a href="https://time.com/personal-finance/article/jumbo-loan/" target="_blank" rel="nofollow">jumbo loans</a>.</p> <p>Veterans United also offers 24/7 customer support, so you can reach out with questions whenever you have them. Additionally, the lender’s network of real estate agents has experience working with military members and veterans. Using one of these agents could help you save money on closing costs.</p> <p>A Veterans United VA loan can close in around 35 days, at a current starting APR of 6.050%.</p> <div class="multi-list__StyledMultiList-sc-1ixx0ao-0 iPYeHW multi-list pros-and-cons multi-list__StyledMultiList-sc-jcbe35-0 hhyQUr"><div class="list"><h4 class="title">Pros:</h4><div class="content"><ul> <li>Wide range of veteran-focused loans.</li> <li>Available real estate services.</li> <li>24/7 customer support.</li> </ul></div></div><div class="list"><h4 class="title">Cons:</h4><div class="content"><ul> <li>No option for a home equity line of credit.</li> <li>Only 15 states have physical branches.</li> </ul></div></div></div> <hr/> <h3>Best for home-buying tools: Guaranteed Rate</h3> <div class="wrapper__StyledWrapper-sc-v8tnl8-0 dHvzgH wrapper"><div class="card__Wrapper-sc-1ot7p5b-0 hevEvL card__StyledProductCardDefaultUI-sc-1njn2jf-0 kwiAGQ"><div class="best-for-wrapper"></div><div class="card-content"><div class="card-header"><div class="card-header-title"><div class="product-image"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained"><div style="max-width:560px;display:block"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg%20height=&#x27;200&#x27;%20width=&#x27;560&#x27;%20xmlns=&#x27;http://www.w3.org/2000/svg&#x27;%20version=&#x27;1.1&#x27;%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#f8f8f8;position:absolute;top:0;left:0;bottom:0;right:0"></div><picture><source type="image/webp" data-srcset="/personal-finance/static/e3993c1e9fe780c474fb2691e9622eea/4cf61/guaranteed-rate.webp 140w,/personal-finance/static/e3993c1e9fe780c474fb2691e9622eea/514b4/guaranteed-rate.webp 280w,/personal-finance/static/e3993c1e9fe780c474fb2691e9622eea/a8374/guaranteed-rate.webp 560w" sizes="(min-width: 560px) 560px, 100vw"/><img data-gatsby-image-ssr="" title="Guaranteed Rate" data-main-image="" style="opacity:0" sizes="(min-width: 560px) 560px, 100vw" decoding="async" loading="lazy" data-src="/personal-finance/static/e3993c1e9fe780c474fb2691e9622eea/af41e/guaranteed-rate.jpg" data-srcset="/personal-finance/static/e3993c1e9fe780c474fb2691e9622eea/0b113/guaranteed-rate.jpg 140w,/personal-finance/static/e3993c1e9fe780c474fb2691e9622eea/2a5f6/guaranteed-rate.jpg 280w,/personal-finance/static/e3993c1e9fe780c474fb2691e9622eea/af41e/guaranteed-rate.jpg 560w" alt="Guaranteed Rate"/></picture><noscript><picture><source type="image/webp" srcSet="/personal-finance/static/e3993c1e9fe780c474fb2691e9622eea/4cf61/guaranteed-rate.webp 140w,/personal-finance/static/e3993c1e9fe780c474fb2691e9622eea/514b4/guaranteed-rate.webp 280w,/personal-finance/static/e3993c1e9fe780c474fb2691e9622eea/a8374/guaranteed-rate.webp 560w" sizes="(min-width: 560px) 560px, 100vw"/><img data-gatsby-image-ssr="" title="Guaranteed Rate" data-main-image="" style="opacity:0" sizes="(min-width: 560px) 560px, 100vw" decoding="async" loading="lazy" src="/personal-finance/static/e3993c1e9fe780c474fb2691e9622eea/af41e/guaranteed-rate.jpg" srcSet="/personal-finance/static/e3993c1e9fe780c474fb2691e9622eea/0b113/guaranteed-rate.jpg 140w,/personal-finance/static/e3993c1e9fe780c474fb2691e9622eea/2a5f6/guaranteed-rate.jpg 280w,/personal-finance/static/e3993c1e9fe780c474fb2691e9622eea/af41e/guaranteed-rate.jpg 560w" alt="Guaranteed Rate"/></picture></noscript><script type="module">const t="undefined"!=typeof HTMLImageElement&&"loading"in HTMLImageElement.prototype;if(t){const t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div></div><h3 class="product-title">Guaranteed Rate</h3></div></div><div class="card-details"><div class="best-for-wrapper"></div><h3 class="product-title">Guaranteed Rate</h3><div class="fields-wrapper"><div class="fields-section section-1"><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX apr field"><div class="title">APR</div><div class="value">6.67%</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX min-credit-score field"><div class="title">Min. credit score</div><div class="value">580 to 600</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX description field"><div class="title">Time to close</div><div class="value">21-30 days</div></div></div></div></div></div><div class="section-3"></div></div></div> <p>Searching for a home can be stressful. Guaranteed Rate has several tools to help take the sting out of the process, including housing market research and home valuation tools. The website also has an extensive library of financial education resources, including a first-time homebuyer course that covers the steps involved.</p> <p>Guaranteed Rate may consider alternative credit data for VA loan applicants, such as utility and rent payments. This allows Guaranteed Rate to approve loans for borrowers with credit scores as low as 580. Guaranteed Rate can close home loans in as little as 21 to 30 days, with current APRs starting at 6.675%.</p> <div class="multi-list__StyledMultiList-sc-1ixx0ao-0 iPYeHW multi-list pros-and-cons multi-list__StyledMultiList-sc-jcbe35-0 hhyQUr"><div class="list"><h4 class="title">Pros:</h4><div class="content"><ul> <li>Mortgage and financial education tools.</li> <li>Alternative credit data may be considered.</li> <li>Borrowers with credit scores as low as 580 accepted.</li> </ul></div></div><div class="list"><h4 class="title">Cons:</h4><div class="content"><ul> <li>Limited VA product offerings.</li> <li>No option for a home equity loan.</li> </ul></div></div></div> <hr/> <h3>Best for rebates: Navy Federal Credit Union</h3> <div class="wrapper__StyledWrapper-sc-v8tnl8-0 dHvzgH wrapper"><div class="card__Wrapper-sc-1ot7p5b-0 hevEvL card__StyledProductCardDefaultUI-sc-1njn2jf-0 kwiAGQ"><div class="best-for-wrapper"></div><div class="card-content"><div class="card-header"><div class="card-header-title"><div class="product-image"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained"><div style="max-width:560px;display:block"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg%20height=&#x27;200&#x27;%20width=&#x27;560&#x27;%20xmlns=&#x27;http://www.w3.org/2000/svg&#x27;%20version=&#x27;1.1&#x27;%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#083868;position:absolute;top:0;left:0;bottom:0;right:0"></div><picture><source type="image/webp" data-srcset="/personal-finance/static/e93e49cf670e59acf7d4a017a03e0848/4cf61/navy-federal-credit-union-logo.webp 140w,/personal-finance/static/e93e49cf670e59acf7d4a017a03e0848/514b4/navy-federal-credit-union-logo.webp 280w,/personal-finance/static/e93e49cf670e59acf7d4a017a03e0848/a8374/navy-federal-credit-union-logo.webp 560w,/personal-finance/static/e93e49cf670e59acf7d4a017a03e0848/57d28/navy-federal-credit-union-logo.webp 1120w" sizes="(min-width: 560px) 560px, 100vw"/><img data-gatsby-image-ssr="" title="Navy Federal" data-main-image="" style="opacity:0" sizes="(min-width: 560px) 560px, 100vw" decoding="async" loading="lazy" data-src="/personal-finance/static/e93e49cf670e59acf7d4a017a03e0848/3bdde/navy-federal-credit-union-logo.png" data-srcset="/personal-finance/static/e93e49cf670e59acf7d4a017a03e0848/fcb50/navy-federal-credit-union-logo.png 140w,/personal-finance/static/e93e49cf670e59acf7d4a017a03e0848/dd079/navy-federal-credit-union-logo.png 280w,/personal-finance/static/e93e49cf670e59acf7d4a017a03e0848/3bdde/navy-federal-credit-union-logo.png 560w,/personal-finance/static/e93e49cf670e59acf7d4a017a03e0848/a8f08/navy-federal-credit-union-logo.png 1120w" alt="Navy Federal"/></picture><noscript><picture><source type="image/webp" srcSet="/personal-finance/static/e93e49cf670e59acf7d4a017a03e0848/4cf61/navy-federal-credit-union-logo.webp 140w,/personal-finance/static/e93e49cf670e59acf7d4a017a03e0848/514b4/navy-federal-credit-union-logo.webp 280w,/personal-finance/static/e93e49cf670e59acf7d4a017a03e0848/a8374/navy-federal-credit-union-logo.webp 560w,/personal-finance/static/e93e49cf670e59acf7d4a017a03e0848/57d28/navy-federal-credit-union-logo.webp 1120w" sizes="(min-width: 560px) 560px, 100vw"/><img data-gatsby-image-ssr="" title="Navy Federal" data-main-image="" style="opacity:0" sizes="(min-width: 560px) 560px, 100vw" decoding="async" loading="lazy" src="/personal-finance/static/e93e49cf670e59acf7d4a017a03e0848/3bdde/navy-federal-credit-union-logo.png" srcSet="/personal-finance/static/e93e49cf670e59acf7d4a017a03e0848/fcb50/navy-federal-credit-union-logo.png 140w,/personal-finance/static/e93e49cf670e59acf7d4a017a03e0848/dd079/navy-federal-credit-union-logo.png 280w,/personal-finance/static/e93e49cf670e59acf7d4a017a03e0848/3bdde/navy-federal-credit-union-logo.png 560w,/personal-finance/static/e93e49cf670e59acf7d4a017a03e0848/a8f08/navy-federal-credit-union-logo.png 1120w" alt="Navy Federal"/></picture></noscript><script type="module">const t="undefined"!=typeof HTMLImageElement&&"loading"in HTMLImageElement.prototype;if(t){const t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div></div><h3 class="product-title">Navy Federal VA Loan</h3></div></div><div class="card-details"><div class="best-for-wrapper"></div><h3 class="product-title">Navy Federal VA Loan</h3><div class="fields-wrapper"><div class="fields-section section-1"><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX apr field"><div class="title">APR</div><div class="value">6.56%</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX min-credit-score field"><div class="title">Min. credit score</div><div class="value">Not specified</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX description field"><div class="title">Time to close</div><div class="value">30 days</div></div></div></div></div></div><div class="section-3"></div></div></div> <p>If you get a VA loan from Navy Federal Credit Union and work with one of its affiliated real estate agents,, you could be eligible for a rebate of up to $9,000. The exact rebate amount will depend on the home&#x27;s purchase price, with more expensive homes getting a higher cash-back amount.</p> <p>Navy Federal Credit Union also offers a Rate Match Guarantee—if you find a lower rate elsewhere, Navy Federal will match it or give you $1,000. VA loan closings take around 30 days, and the APR is currently only 6.558%.</p> <p>You’ll need to be a Navy Federal Credit Union member to get a loan, but that membership gives you access to numerous offers and deals that can save members hundreds of dollars per year.</p> <div class="multi-list__StyledMultiList-sc-1ixx0ao-0 iPYeHW multi-list pros-and-cons multi-list__StyledMultiList-sc-jcbe35-0 hhyQUr"><div class="list"><h4 class="title">Pros:</h4><div class="content"><ul> <li>Rebates for working with an affiliated real estate agent.</li> <li>Rate Match Guarantee.</li> <li>Numerous perks for Navy Federal Credit Union members.</li> </ul></div></div><div class="list"><h4 class="title">Cons:</h4><div class="content"><ul> <li>Must be a Navy Federal Credit Union member to apply.</li> </ul></div></div></div> <hr/> <h2 id="methodology">Methodology</h2> <p>To develop this list of the best VA loans, we looked at a number of loan providers to determine their offerings, rates, and credit score requirements. We compared the top lenders, looking for the lowest rates and any additional perks available to borrowers, such as financial tools and real estate services. Once we had our finalists, we listed their pros and cons to determine each lender&#x27;s biggest strength.</p> <h2 id="how-to-select-the-best-va-loan-provider">How to select the best VA loan provider</h2> <p>When searching for a VA loan provider, one of the most important things to check is the lender’s credit score requirements. While some lenders will accept scores as low as 580, many require borrowers to have a credit score of 620 and up. If your credit score falls within this range, you should check with the lender to ensure they will work with you.</p> <p>The best way to choose a VA loan provider is by comparing rate quotes from several lenders to see which ones offer the best APR and additional perks. If you prefer a specific lender, but the rates are lower elsewhere, try using the lower rate quote to get a lower rate with your preferred lender.</p> <h2 id="alternative-to-va-loans">Alternative to VA Loans</h2> <p>Just because you’re eligible for a VA loan doesn’t mean you must go this route. There are several other types of mortgage loans you may want to consider, including conventional, FHA, and USDA.</p> <p>Let’s explore how each of these compares to a VA loan.</p> <h3>VA loan vs. conventional loan</h3> <p>A conventional loan is a type of mortgage with no special eligibility requirements. Conventional loans are conforming, meaning a loan limit is set by mortgage buyers like Fannie Mae and Freddie Mac. Loans that exceed this limit are non-conforming and are considered jumbo loans. The table below explains the main differences between VA and conventional loans:</p> <div class="wrapper__Wrapper-sc-1nbwfq1-0 jMCZkI wrapper__StyledTableWrapper-sc-1lg67ad-0 responsive-table__TableWrapper-sc-gs87lm-0 cjPmCo cQlyyR"><table class="wrapper__Table-sc-1nbwfq1-1 iYXWdO not-prose"><thead class="wrapper__Thead-sc-1nbwfq1-2 kFLxGW"><tr class="wrapper__Tr-sc-1nbwfq1-4 oGfrp"><th class="wrapper__Th-sc-1nbwfq1-3 gUICYl table-header">VA loan</th><th class="wrapper__Th-sc-1nbwfq1-3 gUICYl table-header">Conventional loan</th></tr></thead><tbody class="wrapper__Tbody-sc-1nbwfq1-5 kklmFK"><tr class="table-row"><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">No down payment requirement</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">Minimum 3% down payment requirement</div></div></td></tr><tr class="table-row"><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">No mortgage insurance requirement</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">Requires borrower to pay private mortgage insurance if the down payment is less than 20%</div></div></td></tr><tr class="table-row"><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">No loan limits <a href="https://www.va.gov/housing-assistance/home-loans/loan-limits/" target="_blank" rel="nofollow">if borrower has full entitlement</a></div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">Loan limits apply</div></div></td></tr><tr class="table-row"><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">Funding fee requirement</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">Closing costs are set by the lender</div></div></td></tr><tr class="table-row"><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">Available to service members, veterans, and surviving spouses</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">Available to the general public</div></div></td></tr><tr class="table-row"><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">Must be used for a primary residence</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">Can be used for a primary home, second home, or investment property</div></div></td></tr></tbody></table></div> <h3>VA loan vs. FHA mortgage</h3> <p>An <a href="https://time.com/personal-finance/article/fha-loan-requirements/" target="_blank" rel="nofollow">FHA mortgage</a> is a type of home loan guaranteed by the Federal Housing Administration. Like a VA loan, the FHA guarantee means that the lender will be repaid in part or full if you default. The following table breaks down the differences between the two types of loans:</p> <div class="wrapper__Wrapper-sc-1nbwfq1-0 jMCZkI wrapper__StyledTableWrapper-sc-1lg67ad-0 responsive-table__TableWrapper-sc-gs87lm-0 cjPmCo cQlyyR"><table class="wrapper__Table-sc-1nbwfq1-1 iYXWdO not-prose"><thead class="wrapper__Thead-sc-1nbwfq1-2 kFLxGW"><tr class="wrapper__Tr-sc-1nbwfq1-4 oGfrp"><th class="wrapper__Th-sc-1nbwfq1-3 gUICYl table-header">VA loan</th><th class="wrapper__Th-sc-1nbwfq1-3 gUICYl table-header">FHA mortgage</th></tr></thead><tbody class="wrapper__Tbody-sc-1nbwfq1-5 kklmFK"><tr class="table-row"><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">No down payment requirement</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">Minimum 3.5% down payment requirement</div></div></td></tr><tr class="table-row"><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">No mortgage insurance requirement</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">Requires the borrower to pay a mortgage insurance premium for the life of the loan</div></div></td></tr><tr class="table-row"><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">No loan limits if borrower has full entitlement</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">Loan limits apply</div></div></td></tr><tr class="table-row"><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">Funding fee requirement</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">No funding fee, but an upfront mortgage insurance premium is due at closing</div></div></td></tr><tr class="table-row"><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">Available to service members, veterans, and surviving spouses</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">Available to the general public</div></div></td></tr><tr class="table-row"><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">Must be used for a primary residence</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">Must be used for a primary residence</div></div></td></tr></tbody></table></div> <h3>VA loan vs. USDA mortgage</h3> <p>A USDA loan is another type of government-backed mortgage, but the United States Department of Agriculture guarantees this one. The USDA loan program aims to help borrowers buy homes in rural areas. The following table explains the differences between the two types of home loans:</p> <div class="wrapper__Wrapper-sc-1nbwfq1-0 jMCZkI wrapper__StyledTableWrapper-sc-1lg67ad-0 responsive-table__TableWrapper-sc-gs87lm-0 cjPmCo cQlyyR"><table class="wrapper__Table-sc-1nbwfq1-1 iYXWdO not-prose"><thead class="wrapper__Thead-sc-1nbwfq1-2 kFLxGW"><tr class="wrapper__Tr-sc-1nbwfq1-4 oGfrp"><th class="wrapper__Th-sc-1nbwfq1-3 gUICYl table-header">VA loan</th><th class="wrapper__Th-sc-1nbwfq1-3 gUICYl table-header">USDA loan</th></tr></thead><tbody class="wrapper__Tbody-sc-1nbwfq1-5 kklmFK"><tr class="table-row"><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">No down payment requirement</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">No down payment requirement</div></div></td></tr><tr class="table-row"><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">No mortgage insurance requirement</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">No mortgage insurance requirement</div></div></td></tr><tr class="table-row"><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">No loan limits if borrower has full entitlement</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">No loan limits</div></div></td></tr><tr class="table-row"><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">Funding fee requirement</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">Annual fee requirement</div></div></td></tr><tr class="table-row"><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">Available to service members, veterans, and surviving spouses</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">Available to low- or moderate-income borrowers in the general public</div></div></td></tr><tr class="table-row"><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">Must be used for a primary residence</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN field"><div class="value">Can only be used to purchase properties in an approved rural area</div></div></td></tr></tbody></table></div> <h2 id="more-about-va-loans">More about VA loans</h2> <h3>What is a VA loan?</h3> <p>A VA loan is a type of mortgage guaranteed by the U.S. Department of Veterans Affairs. The VA doesn’t lend the money; private lenders do that. However, the VA guarantee means the government will repay the loan in part or full if the borrower defaults. This guarantee makes getting a home loan easier for service members and other eligible individuals.</p> <h3>How does a VA loan work?</h3> <p>Qualified borrowers can get a VA loan with no down payment or requirement for private mortgage insurance (PMI). VA loans also tend to have lower interest rates than conventional loans, saving borrowers money over the loan duration.</p> <p>VA loans have a funding fee requirement equal to 2.3% of the loan amount for first-time borrowers and 3.6% for repeat borrowers. This fee can be rolled into the total loan amount, allowing you to repay it over the loan term rather than at closing.</p> <h3>VA loan pros and cons</h3> <p>Before deciding to move forward with a VA loan, consider the pros and cons of this type of mortgage, as per the following table:</p> <div class="multi-list__StyledMultiList-sc-1ixx0ao-0 iPYeHW multi-list pros-and-cons multi-list__StyledMultiList-sc-jcbe35-0 hhyQUr"><div class="list"><h4 class="title">Pros:</h4><div class="content"><ul> <li>Lower interest rates</li> <li>No down payment requirement</li> <li>High debt-to-income ratio requirement</li> <li>No private mortgage insurance (PMI) requirement</li> <li>No prepayment penalties</li> </ul></div></div><div class="list"><h4 class="title">Cons:</h4><div class="content"><ul> <li>Funding fee requirement</li> <li>Inspection and appraisal requirements</li> <li>Not available for the purchase of investment or vacation properties</li> </ul></div></div></div> <h3>Types of VA loans</h3> <p>Veterans Affairs provides guarantees on the following four loan types:</p> <ul> <li>Purchase loan: A <a href="https://www.va.gov/housing-assistance/home-loans/loan-types/purchase-loan/" target="_blank" rel="nofollow">purchase loan</a> loan is intended for borrowers looking to purchase, build, or improve a home.</li> <li>Native American Direct Loan (NADL): Veterans who are Native American or have a Native American spouse can qualify for an <a href="https://www.va.gov/housing-assistance/home-loans/loan-types/native-american-direct-loan/" target="_blank" rel="nofollow">NADL</a>, which helps borrowers purchase, build, or improve a home on federal trust land.</li> <li>Interest rate reduction refinance loan (IRRRL): This <a href="https://www.va.gov/housing-assistance/home-loans/loan-types/interest-rate-reduction-loan/" target="_blank" rel="nofollow">VA streamline refinance loan</a> is intended to help eligible borrowers refinance their existing mortgage at a lower interest rate.</li> <li>Cash-out refinance loan: A borrower can apply for a <a href="https://www.va.gov/housing-assistance/home-loans/loan-types/cash-out-loan/" target="_blank" rel="nofollow">cash-out refinance loan</a> to replace an existing mortgage while tapping into their home equity.</li> </ul> <h3>VA loan requirements</h3> <p>To qualify for a VA loan, you must be able to meet all of the following requirements:</p> <ul> <li>Be a U.S. service member, veteran, or surviving spouse.</li> <li>Meet the requirements for length of service.</li> <li>Be a U.S. citizen or permanent resident.</li> <li>Meet the credit score requirements set by the lender (typically 620 and up, though some lenders accept borrowers with lower scores).</li> <li>Plan to live in the property permanently as a primary home.</li> </ul> <h3>How to apply for a VA home loan</h3> <p>Before applying for a VA loan, you must acquire a <a href="https://www.va.gov/housing-assistance/home-loans/how-to-request-coe/" target="_blank" rel="nofollow">Certificate of Eligibility</a> (COE), which shows potential lenders that you are eligible for this type of loan. Veterans must provide a copy of their discharge or separation papers, while active service members must provide a statement of service. Eligible surviving spouses must provide a copy of the veteran’s discharge papers, marriage license, and death certificate.</p> <p>Once you have the COE, you can apply for a VA loan through your chosen lender. The process is similar to applying for a conventional or other mortgage loan. You must provide your personal information and COE; the lender will run your application. This involves <a href="https://time.com/personal-finance/article/how-to-get-a-credit-report/" target="_blank" rel="nofollow">pulling your credit report</a>, reviewing your debt-to-income (DTI) ratio, and your income.</p> <h2 id="time-stamp-a-va-loan-offers-significant-advantages-to-eligible-borrowers">TIME Stamp: A VA loan offers significant advantages to eligible borrowers</h2> <p>Compared to most standard loans, VA mortgages have many benefits for those who qualify, including no down payment or mortgage insurance requirement, and lower rates. If you are eligible for a VA loan, the best lenders in this guide provide an excellent starting point to gather and compare rates and terms.</p> <h2 id="frequently-asked-questions-faqs">Frequently asked questions (FAQs)</h2> <h3>What are current VA mortgage rates?</h3> <p>VA mortgage rates vary from lender to lender. Currently, the rates of the lenders on our list range from 6.278% APR to 7.185% APR. Rates are subject to change, so it’s important to double-check with a lender before applying or to request rate quotes from several lenders and compare them to find the best fit.</p> <h3>What is the VA loan funding fee?</h3> <p>The VA loan funding fee is a one-time fee that the VA borrower must pay upon closing. The fee can be paid upfront as a closing cost or rolled into the loan balance and repaid over the loan term.</p> <p>The funding fee depends on the down payment and whether it’s your first VA loan. If you’re using a VA loan for the first time, your funding fee will range between 1.25% and 2.15%, depending on how much you put down. After the first use, it’ll range between 1.25% and 3.3%.</p> <h3>What is the current VA loan interest rate?</h3> <p>The current VA loan interest rates range from 6.00% (6.278% APR) to 6.875% (7.185% APR) for a 30-year fixed rate mortgage. These rates are not guaranteed, and the rate you’re offered may be higher based on your credit score and other factors.</p> <h3>Can you buy land with a VA loan?</h3> <p>Yes. You can purchase land with a VA loan, but not all lenders will approve this type of loan. To use a VA loan to purchase land, you must also be constructing a new home on that land.</p></div><div class="disclaimer__Container-sc-oc4o57-0 bVJglG main___StyledDisclaimer-sc-ym2025-0 guBECT"><p>The information presented here is created by TIME Stamped and overseen by TIME editorial staff. 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HTMLImageElement.prototype;if(t){const t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div></a><div class="article-card__Details-sc-imra5p-6 dPbnBw details"><a class="article-card__Link-sc-imra5p-2 jPZfRE content" href="/personal-finance/article/klover-app-review/"><h2 class="title">Klover Cash Advance App Review 2024: Easy Access to Money With a Daily Sweepstakes </h2></a><h3 class="description">Klover is a cash advance app with a points program, budgeting tools, and a daily sweepstakes. Read our review to determine if the platform makes sense for you. </h3><div class="article-card__Metadata-sc-imra5p-5 gtvvsN metadata"><a class="article-card__Link-sc-imra5p-2 jPZfRE" href="/personal-finance/article/klover-app-review/"><span>By <!-- -->Mallika Mitra</span></a><span class="article-date"> </span></div></div></div></div></div></div><div id="taboola-feed-container"><div class="sc-cPiKLX bJELIl"><div id="below-article-thumbnails"></div></div></div></div></main></div></div></div></div></div><footer><div class="sc-bbSZdi flghfv"><div class="sc-fBWQRz bRpQvm"><a title="https://time.com" href="https://time.com" target="_self" rel="nofollow"><img src="/personal-finance/logo.svg" title="https://time.com" alt="https://time.com" width="82" height="27" loading="lazy" class="sc-hknOHE clhWGZ"/></a></div><div class="sc-eqUAAy hSPKII"><a class="social-links___StyledExternalLink-sc-1k9fkc4-0 kmGGpS" href="https://www.facebook.com/time/" target="_blank" rel="nofollow"><img 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