Compare VA Loans – Apply & See Rates From Lenders
If you or your spouse served in the military, these lenders provide programs designed to help whether you're buying a home or refinancing an existing mortgage.
VA loans for current and veteran military members and their spouses don't require a down payment or mortgage insurance. VA mortgage lenders vary in the products and services they offer and their financial requirements for borrowers, so it's important to shop around for a VA loan lender that meets your needs. NerdWallet picked standout VA mortgage lenders to give you a head start.
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- Offers 24/7 customer service over the phone.
- Offers a free credit counseling service.
- Mortgage rates are on the low side, according to the latest federal data.
- Read our Veterans United review
- Offers government-backed loans and some harder-to-find products, such as construction loans and specialty mortgages for pilots.
- Offers low rates and fees compared with other lenders, according to the latest federal data.
- Displays customized rates, with fee estimates, without requiring contact information.
- Read our NBKC review
- Streamlined online process with document and asset retrieval capabilities, as well as the ability to edit your preapproval letter.
- Mortgage interest rates are on the low side compared to other lenders, according to the latest federal data.
- Offers the option to work with loan officers by phone if desired.
- Read our Rocket Mortgage, LLC review
- What lender is best for VA loans?
All VA loans are subject to rules and guidelines set by the U.S. Department of Veterans Affairs. Individual VA lenders vary by the services and options they offer as well as the requirements they set for borrowers, such as minimum credit scores, however. This is why it's important to shop around to compare mortgage rates and qualification requirements.
- What is the current interest rate for VA loans?
VA mortgage rates fluctuate daily, just as rates for other loans do. Rates also vary by lender, and the rate you're offered will depend on a variety of factors, such as your credit score. When shopping VA lenders, compare the annual percentage rate, or APR, to get a complete picture of the true costs. The APR includes the interest rate, fees and other costs of the loan.
- What credit score do you need to qualify for a VA loan?
The Department of Veterans Affairs doesn't set a minimum credit score for VA loans. But lenders can have their own requirements, which typically range from 580 to 620. VA lenders will also look at other factors, such as your debt-to-income ratio, to evaluate your ability to repay the loan.
