VA Home Loan Benefit
Compare VA Loan Rates from Top Lenders — $0 Down, No PMI
Exclusively for veterans, active duty, and qualifying military families. Compare multiple offers in minutes — no obligation, no impact to your credit score.
No Down Payment Required
No Private Mortgage Insurance
Competitive Low Rates
Multiple Lender Comparison
No Private Mortgage Insurance
Competitive Low Rates
Multiple Lender Comparison
Compare VA Loan Lenders
Today’s Best VA Loan Rates
Rates updated daily · Multiple lenders · No credit score impact to compare
Compare Mortgage Offers
$0 Down Payment
Buy with 100% financing. No large upfront savings required.
No PMI Ever
Save $150–$300/month vs. conventional loans with less than 20% down.
Lower Rates
VA loans consistently outperform conventional mortgage rates.
Reusable Benefit
Use it again after you sell or pay off your home.
VA Loan vs. Conventional — Real Dollar Comparison on a $350,000 Home
| Cost Item | Conventional (5% Down) | VA Loan | Your Savings |
|---|---|---|---|
| Down Payment | $17,500 | $0 | $17,500 saved |
| Monthly PMI | ~$175/month | $0 | $2,100/year |
| Interest Rate* | ~7.2% | ~6.7% | ~$120/month less |
| Year-1 Total Advantage | — | — | ~$21,040 ahead |
*Rates for illustration purposes. Actual rates vary by lender, credit score, and loan amount. Compare current offers above.
Who Qualifies
VA Loan Eligibility Requirements
Active Duty90 consecutive days during wartime, or 181 days during peacetime
VeteransServed minimum period with an honorable or general discharge
National Guard / Reserves6 years of service in the Selected Reserve or National Guard
Surviving SpousesOf service members who died in service or from service-connected disabilities
✅
Most veterans qualify. Your lender can help obtain your Certificate of Eligibility (COE) at no cost — it takes minutes. Compare lenders above to get started.
Most veterans qualify. Your lender can help obtain your Certificate of Eligibility (COE) at no cost — it takes minutes. Compare lenders above to get started.
Top VA Loan Lenders
Compare Rates & Get Pre-Approved Today
No obligation to compare. Most lenders provide a decision within minutes.
VA Loan Rates by State
What Are Rates in Your Area?
VA loan rates vary by lender and location. See current rates near you.
The Process
How to Get Your VA Loan in 6 Steps
1
Confirm Your EligibilityReview the service requirements above. Most veterans, active duty, Guard, and Reserves members qualify.
2
Compare Multiple LendersUse the rate table above to compare current offers side-by-side. Rates vary significantly between lenders.
3
Get Your Certificate of Eligibility (COE)Your chosen lender can obtain this automatically through the VA system — no paperwork required from you in most cases.
4
Get Pre-ApprovedA soft credit pull won’t affect your score. Pre-approval shows sellers you’re a serious, qualified buyer.
5
Find Your HomeWith pre-approval in hand, you can shop confidently knowing your exact price range.
6
Close and Move InVA loan closings typically take 30–45 days — comparable to conventional loans. Then it’s yours.
Common Questions
Frequently Asked Questions
Can I use my VA loan benefit more than once?
Yes. Your VA loan benefit renews after you sell the property or pay off the loan. Some veterans can even carry two VA loans simultaneously if they have remaining entitlement.
What credit score do I need for a VA loan?
The VA itself sets no minimum credit score, but individual lenders typically require 580–620. VA loans are more forgiving of past credit issues than conventional loans.
What is the VA funding fee?
A one-time fee (typically 2.15%–3.3% for first-time use) that can be rolled into your loan balance. Veterans with any service-connected disability rating are exempt from this fee entirely.
How long does the VA loan process take?
Modern VA loan processing is just as fast as conventional loans — typically 30–45 days from application to closing when working with an experienced VA lender.
Can I buy any type of property with a VA loan?
VA loans work for single-family homes, condos (VA-approved lists), multi-unit properties up to 4 units if you live in one, and manufactured homes meeting VA standards.
Ready to Compare?
Check Today’s VA Loan Rates
Takes less than 2 minutes. No credit score impact. No obligation.