VA Loans
Get a FREE quote on a VA loan – and see how it could save you thousands each year.
The Lowdown on VA Loans...
Why a VA Loan?
There are many benefits, drawn from U.S. Department of Veterans Affairs (VA) guidelines:
No down payment required in many cases (unless the lender requires it or the purchase price exceeds the “reasonable value” of the property).
Buyers are informed of the property’s “reasonable value” by the VA.
Competitive interest rates and favorable terms for eligible borrowers (veterans, active duty, reservists, and certain surviving spouses).
No private mortgage insurance (PMI) required, which can significantly reduce monthly costs.
Assumable loan feature: future buyers may be able to take over the loan under certain conditions.
Guarantees and protections offered via the VA guarantee reduce lender risk, making access easier for eligible borrowers.
Our VA Loan Rates Are Low & Our Process is Quick & Painless
Our VA Loan Rates Are Low & Our Process is Quick & Painless
A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA) and issued by qualified lenders.
This program was designed to offer long-term financing to eligible American veterans, active-duty service members, reservists, or surviving spouses (provided they have not remarried).
We’re here to make the VA home-loan process simple, with tools and expertise that guide you from start to finish — starting with our FREE VA Loan Qualifier.
We’ll help you clearly compare loan programs, so you can choose the one that best fits your needs, whether you’re a first-time home buyer or a seasoned homeowner.
As of October 2025, average VA loan interest rates remain highly competitive compared to conventional loans. The 30-year fixed VA loan typically ranges between 6.00% and 6.40%, while some lenders, such as Veterans United Home Loans, have recently quoted rates as low as 5.375% for well-qualified borrowers with credit scores of 720 or higher. For 15-year fixed VA loan options, rates can be as low as 5.37%. Jumbo or cash-out VA loans may carry slightly higher rates or additional points and fees, depending on factors such as loan size, loan-to-value ratio, and credit profile. Your actual interest rate will depend on several factors, including credit score, debt-to-income ratio, loan amount, down payment (if any), property type, and lender fees.
The VA Loan Process
- Check Eligibility: Confirm eligibility based on U.S. military service.
- Get COE: Obtain your Certificate of Eligibility from the VA.
- Choose a Lender: Find a VA-approved lender in the U.S.
- Get Pre-Approved: Submit financial details for pre-approval.
- Find a Home: Look for a property that meets VA standards.
- Submit Application: Complete the loan application with required documents.
- VA Appraisal: The lender orders an appraisal to ensure the home meets VA standards.
- Loan Processing: The lender reviews and approves the loan.
Benefits of the VA Loan Process
- No or Low Down Payment: Many borrowers can finance up to 100% of the home’s value.
- Competitive Interest Rates: Typically offers lower interest rates than conventional loans.
- No Private Mortgage Insurance (PMI): Eliminates the need for PMI, reducing monthly costs.
- Assumable Loans: Allows future buyers to take over the loan under favorable terms.