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Best VA Mortgage Lenders of 2018

Finding the Right Mortgage, Mortgages
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NerdWallet offers financial tools and advice to help you understand your options and make the best possible decisions. The guidance we offer and information we provide are deeply researched, objective and independent.

We spent over 400 hours reviewing the top mortgage lenders before selecting the best for our readers. We’ve picked at least two lenders in several "best of" categories to help you find a lender that meets your needs.

For active military and veterans looking for a VA loan, finding the right lender is important. It can also be a challenge.

You want to work with a lender that knows the Department of Veterans Affairs mortgage program inside and out so you can benefit from its many perks. You also want one that can get you a mortgage as quickly and efficiently as possible.

NerdWallet picked some of the best mortgage lenders offering VA loans in a variety of categories so you can quickly decide which is right for you.

Best overall mortgage lenders for VA loans

Learn more

at Veterans United

Min. credit score

620

Min. down payment

0%

Why we like it

Ideal for military-connected customers looking for VA expertise. Veteran's United is the nation's largest VA home purchase lender.

 

Min. credit score

620

Min. down payment

0%

Why we like it

Ideal for VA loan borrowers who seek high-tech convenience. Quicken Loans offers a technology-friendly loan process with access to mortgage advisors as well.

 

National / regional

National

Min. down payment

0%

Why we like it

Ideal for borrowers looking for top-notch customer service. As a military credit union, Navy Federal is well-poised to provide flexible financing options for veterans through the VA mortgage program.

 

Min. credit score

580

Min. down payment

0%

Why we like it

Ideal for home buyers and refinancers who want a VA-guaranteed loan and need to be evaluated using nontraditional credit criteria.

 

Learn more

at Guaranteed Rate

Min. credit score

580

Min. down payment

0%

Why we like it

Ideal for borrowers who are eligible for VA-guaranteed loans, with down payments as low as zero percent. Guaranteed Rate works with well-qualified borrowers who don't have much saved for a down payment.

 

National / regional

National

Min. down payment

0%

Why we like it

Ideal for servicemembers and their families. Veterans First puts an emphasis on relationships, borrower education, needs of military borrowers and expertise in the intricacies of VA loans.

 

National / regional

National

Min. down payment

0%

Why we like it

Ideal for borrowers who want lots of options and a quick turn time. Fairway Independent Morgage offers a full selection of home loans along with a comprehensive mobile app for a fast and easy application process.

 

Min. credit score

580

Min. down payment

0%

Why we like it

Ideal for Latino and other minority borrowers, millennials, foreign nationals, as well as those seeking a full array of purchase and refinance loans, including jumbo mortgages.

 

Learn more

at Bank of America

Min. credit score

620

Min. down payment

0%

Why we like it

Ideal for borrowers who prefer a traditional bank. Bank of America offers a wide array of mortgages and online account management tools. It also has first-time home buyer loans with low down payments and no mandatory mortgage insurance.

 

National / regional

National

Min. down payment

0%

Why we like it

Ideal for first-time home buyers or those with weaker credit. CitiMortgage, a large-scale lender with a full menu of home loan products, offers low down payment options and considers alternative credit data.

 

Best VA mortgage lenders: summary

Best VA mortgage lenders: detail

Lender
Best
for
Highlights
Minimum credit score*
Learn more
Veterans United Home Loans
Veterans-United-55x270
Overall for VA mortgage experience
Largest VA purchase lender
620
Quicken Loans
Online VA mortgage experience
Low down payments; largest FHA lender
620
Navy Federal Mortgage

navy_federal_credit_union_logo-55x270
Overall for VA mortgage experience
Expert VA lender with array of services for military borrowers
Not disclosed
New American Funding
Weaker credit borrowers
Manual underwriting allows flexibility in loan approvals
580
Guaranteed Rate
guaranteedrate_logo_transparent
Online VA mortgage experience
Online application process, secure document uploads and digital signature acceptance
580
Veterans First
Veterans-First-270x55
Customer service
Experienced VA lender; online and mobile features help when overseas
620
Fairway Independent Mortgage
Fairway Independent Mortgage Corporation
Customer service
24/7 customer service via call center, mobile app and email
Not disclosed
Alterra Home Loans
Alterra-Logo-55x270
Weaker credit borrowers
Loans on nontraditional credit, employment and income sources
580
Bank of America Mortgage
BofA Final
Traditional bank
National network of mortgage specialists available to assist
Not disclosed
CitiMortgage
citimortgage
Traditional bank
Experienced VA lender; full line of mortgage products
Not disclosed

More from NerdWallet
Calculate your VA mortgage payments
Compare VA mortgage rates
Compare VA and conventional loans

* Minimum credit score on top loans; other loan types or factors may selectively influence minimum credit score standards

NerdWallet’s selection of mortgage lenders for inclusion here was made based on our evaluation of the products and services that lenders offer to consumers who are actively shopping for the best mortgage. The six key areas we evaluated include the loan types and loan products offered, online capabilities, online mortgage rate information, customer service and the number of complaints filed with the Consumer Financial Protection Bureau as a percentage of loans issued. We also awarded lenders up to one bonus star for a unique program or borrower focus that set them apart from other lenders. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.