VA Loan Rates


What Determines My Rate?

  • VA loan interest rates are influenced by a variety of factors, including:
  • Credit score
  • Debt-to-income ratio
  • Loan duration (15- or 30-year)
  • Current market conditions
Thanks to your service in the U.S. Armed Forces, you may qualify for additional assistance when applying for a home loan. VA loans exist to help eligible veterans get home financing in areas with no private financing and purchase property with no down payment.

What makes VA Loan rates different?

Applying for a VA home loan is a complex and lengthy process. If you aren’t sure what size of loan you can qualify for, knowing an estimate of your VA loan rate can give you realistic expectations going into the process. VA loans are backed by the federal government, therefore lenders have the advantage of charging competitively low-interest rates. Eligible veterans and service members generally find that rates are lower with a VA loan than a conventional mortgage.

Calculating your VA Home Loan

Our VA loan calculator takes your data and applies mathematical equations commonly used by financial institutions all over the United States. While this will give you a fair estimate of how much you’ll pay and the rate you’ll gain equity, other factors may change the results. Factors such as VA eligibility, property tax rates in your community, and interest rates can all affect the final results. To get a specific quote, it’s helpful to speak with a VA loan specialist who can provide you with more detailed information specific to your state and county.

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