Compare today's mortgage rates

Compare Current VA Loan Rates | Friday, June 12, 2026

Rates are current as of June 12, 2026 8:20 PM EDT

National average mortgage rates:

30-Year VA Fixed

APR 6.00%

0.13% 1w

5-Year ARM

APR 6.48%

-0.01% 1w

19 ResultsShowing rates for: Purchase, Good (720-739), $500,000, 30-year fixed, Single-family, Primary residence, VA loans

License information

19 Results for: Purchase, Good (720-739), $500,000, 30-year fixed, Single-family, Primary residence, VA loans.

NMLS#1764611

APR

5.45%

APR

5.45%

Interest rate

5.25%

Est. mo. payment

$2,237/mo

Total fees

$8,826

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The Nerdy headline

Simplist is an online marketplace of mortgage lenders; human guidance is optional. You’ll make payments to a loan servicer, not to Simplist. Loans are not available in every state.

Home loans overall

NerdWallet rating

4.5

What we like

Loan origination process can be completed online.
Offers government-backed FHA and VA loans.
Offers module that compares mortgage rates among other lenders.

What we don't like

Offers loans in many states and Washington, D.C., but not nationwide.
Does not offer home equity loans or lines of credit.

NMLS#613839

APR

5.87%

APR

5.87%

Interest rate

5.75%

Est. mo. payment

$2,364/mo

Total fees

$4,219

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The Nerdy headline

Farmers Bank of Kansas City lets you browse rates and apply online, but branches are Kansas-only. Get discounts by using the bank’s partner real estate network.

Home loans overall

NerdWallet rating

4.5

What we like

Displays customized rates, with fee estimates, without requiring contact information.
Offers home equity loans and lines of credit.
Mortgage origination fees are on the low side compared to other lenders, according to the latest federal data.

What we don't like

Doesn’t offer government-backed FHA or USDA loans, or adjustable-rate mortgages.
Home renovation loans are not available.
Mortgage rates are on the high side compared to other lenders, according to the latest federal data.

NMLS#579225

APR

5.87%

APR

5.87%

Interest rate

5.75%

Est. mo. payment

$2,364/mo

Total fees

$3,413

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VA loans

NerdWallet rating

3.5

What we like

Offers a purchase loan program with no lender fees for educators and first responders.
Home equity lines of credit and renovation loans are available.
Loans available for health-care professionals and self-employed borrowers.

What we don't like

Mortgage rates are not published online.
Doesn’t offer home equity loans.

NMLS#2389303

APR

5.87%

APR

5.87%

Interest rate

5.75%

Est. mo. payment

$2,364/mo

Total fees

$5,247

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The Nerdy headline

Real Genius is a smart pick for a do-it-yourself online quote. We’re impressed with its "no fine print” approach and options to sort and customize APR and fees. However, Real Genius does not have a mobile app and doesn’t currently prioritize home equity lending.

Home loans overall

NerdWallet rating

4.5

What we like

Easy and transparent online rate quote tool.
May accept borrowers with low credit scores.
Closes loans in an average of 30 days (faster than industry average).

What we don't like

Federal data isn’t available for us to objectively compare this lender with others.
Home equity loans and HELOCs aren’t a priority.
Not currently lending in U.S. territories.

NMLS#2059741

APR

5.94%

APR

5.94%

Interest rate

5.75%

Est. mo. payment

$2,369/mo

Total fees

$7,464

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The Nerdy headline

Tomo, established in 2020, is an online-only lender with a focus on digital efficiency and purchase loans. We’re impressed with its customizable mortgage rate tool. However, you won’t find home equity products. Mortgages are available in 41 states and counting.

Home loans overall

NerdWallet rating

4.5

What we like

Online rate tool is user-friendly and customizable.
Accepts borrowers with credit scores below 600.

What we don't like

Mortgages not available in all states.
No renovation or home equity loans.
No mobile app.

NMLS#408902

APR

5.99%

APR

5.99%

Interest rate

5.88%

Est. mo. payment

$2,396/mo

Total fees

$3,879

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The Nerdy headline

First Federal Bank stands out for its relatively low APRs on VA loans and online accessibility — you can apply via the lender’s mobile app or website.

VA loans

NerdWallet rating

5.0

What we like

VA loan APRs tend to be competitive.
Offers a variety of VA loan types, including Energy Efficient Mortgages.
Mobile app includes mortgage features, such as application and preapproval.

What we don't like

Doesn't offer VA renovation loans.
You'll have to contact the lender to see personalized mortgage rates, though sample rates are posted online.

NMLS#407985

APR

5.99%

APR

5.99%

Interest rate

5.88%

Est. mo. payment

$2,396/mo

Total fees

$4,929

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The Nerdy headline

Midwest-rooted Central Bank offers an online application, which you can track via mobile app. But you’ll have to contact the bank for mortgage rates.

Home loans overall

NerdWallet rating

4.0

What we like

Among the best when it comes to online convenience.
Offers a full selection of mortgage types and products, including jumbo, home equity, and government loans.
Claims to offer preapproval within 24 hours of loan application.

What we don't like

You'll have to complete a loan application to see mortgage interest rates.
Bank branch locations limited to the Midwest.
Does not offer home equity lines of credit.

NMLS#6606

APR

6.03%

APR

6.03%

Interest rate

5.88%

Est. mo. payment

$2,396/mo

Total fees

$6,629

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The Nerdy headline

New American Funding offers a large menu of loan products, including government loans, but its mortgage origination fees tend to be on the high side.

VA loans

NerdWallet rating

4.0

What we like

Offers a wide variety of purchase and refinance mortgages with an emphasis on helping underserved communities.
Its home equity line of credit can be used for an owner-occupied or second home.
Offers a program to enable buyers to make cash offers.

What we don't like

Mortgage origination fees tend to be on the high end, according to the latest federal data.

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About these rates: The lenders whose rates appear on this table are NerdWallet's advertising partners. NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a lender's site. The terms advertised here are not offers and do not bind any lender. The rates shown here are retrieved via the Mortech rate engine and are subject to change. These rates do not include taxes, fees, and insurance. Your actual rate and loan terms will be determined by the partner's assessment of your creditworthiness and other factors. Any potential savings figures are estimates based on the information provided by you and our advertising partners.

Product

Interest rate

APR

30-year Fixed

6.37%

6.38%

30-year Fixed FHA

5.38%

6.11%

30-year Fixed VA

5.86%

6.00%

20-year Fixed

6.27%

6.29%

15-year Fixed

5.77%

5.79%

10-year Fixed

5.73%

5.77%

3-year ARM

8.19%

7.46%

5-year ARM

6.39%

6.46%

7-year ARM

6.39%

6.46%

10-year ARM

6.37%

6.38%

Today's VA mortgage rates | Friday, June 12, 2026

Last updated 8:20 PM EDT

On Friday evening, June 12, 2026, the average interest rate on a 30-year fixed-rate VA mortgage rose ten basis points to 6% APR, compared to yesterday.

The average rate on a 5-year adjustable-rate mortgage rose one basis point to 6.48% APR.

The 30-year fixed-rate VA loan rate is 12 basis points higher than one week ago and 48 basis points lower than one year ago.

A basis point is one hundredth of a percent, or 0.01%. We describe mortgage rates’ ups and downs in basis points because they simplify comparisons.

NerdWallet’s rates are expressed as an annual percentage rate, or APR, and our mortgage rates data comes from Zillow.

VA Mortgage Rates: What You Need to Know

Written by

Taylor Getler

, Reviewed by

Michelle Blackford

, Edited by

Jeanette Margle

Written by

Taylor Getler

and

2 others

Last updated 06/13/2026

Current VA mortgage rates

NerdWallet’s mortgage rate tool can help you find competitive, customized VA mortgage rates. At the top of this page, enter a few details about your loan and click “See rates” to get a rate quote tailored to your needs, without having to provide any personal information. From there, you can start the process of getting approved for your VA home loan.

What determines my VA loan interest rate?

Many factors influence the mortgage rate you’re offered, including the economy, your financial details and the lender. The best way to find out if you’re being quoted a good VA mortgage rate is to apply with multiple lenders.

With a Loan Estimate from each lender compared side-by-side, you’ll be able to see which lender is giving you a good mortgage rate combined with the lowest origination fees.

Personal details that will influence your rate offers include your:

Credit score: Generally speaking, higher scores come with lower rates. While the VA doesn’t set a specific minimum credit score, lenders will generally want to see a score of at least 620.
Existing debt: Ideally, your total amount of monthly debt obligations (including your mortgage and other loans) should not account for more than 41% of your monthly pre-tax income.
Loan term: While shorter mortgage terms will have a higher monthly payment (say, a 15-year loan vs. a 30-year loan), they also come with lower rates.
Down payment: While this isn’t required for a VA loan, a down payment will lower your loan-to-value ratio, which can result in a lower rate.
Overall market conditions: Average mortgage rates fluctuate daily and are influenced by many economic factors, as well as the actions of the Federal Reserve.
Lender: Interest rates can vary by lender, which is why it’s important to shop around with at least three. NerdWallet’s experts have curated a list of our top picks for VA lending.

VA loan eligibility requirements

Active-duty service members who served 90 continuous days.
Veterans who have met length-of-service requirements (generally 90 days in wartime and 181 days in peacetime).
Service members or veterans who have completed 90 days of active-duty service or six creditable years in the Selected Reserve or National Guard.
Surviving spouses of veterans who died while in service, died from a service-connected disability, went missing in action or were a prisoner of war. Surviving spouses who have remarried are only eligible if the marriage was after age 57 or after Dec. 16, 2003.

Select members of other organizations may also be eligible, such as Public Health Service Officers or Officers of the National Oceanic & Atmospheric Administration.

How VA loans compare with conventional mortgages

For home shoppers who qualify, VA loans have unique benefits over conventional loans.

Factors to consider	VA loans	Conventional loans
Lenders	See NerdWallet’s picks for the best VA loan lenders	See NerdWallet’s picks for the best conventional loan lenders
Interest rates	See today’s VA loan rates	See today’s conventional mortgage rates
Property type	Primary home only	Primary or second home, investment properties
Minimum down payment	Zero, most instances	Usually at least 3%. Some lenders offer special zero-down loans.
Mortgage insurance	No mortgage insurance. One-time VA funding fee of 1.25% to 3.3% of loan amount for purchase mortgages.	Private mortgage insurance usually required if down payment is less than 20%.
Minimum credit score	No minimum set by VA, but a 580-620 FICO score is a common lender requirement.	A 620 FICO score is typical.
Maximum debt-to-income ratio	Lenders will give more scrutiny if DTI is over 41%.	Ideally under 36%, but higher ratios can be accepted.

On average, VA home loans tend to have better mortgage rates than conventional loans. The rate you’re offered will depend on your credit score and other personal financial details, as well as the lender.

» MORE: VA loans vs. conventional loans

Pros and cons of VA loans

VA loans are often a good deal for borrowers who qualify — especially if they want to buy without making a down payment. Here are some benefits and drawbacks to VA loans.

Pros

Buy with zero down
No mortgage insurance
Flexible loan qualifying standards

Cons

Requires a one-time funding fee
Can only be used for a primary residence
Restricted to veterans, active-duty service members and eligible surviving spouses

» MORE: Get your credit score for free

» MORE: What is APR and how does it affect your mortgage?