VA Home Loan Interest Rates Today
Rates as of September 3, 2026. This page is updated regularly — verify exact rates with a licensed VA lender, as published rates shift daily and vary by borrower profile.
Because the VA guarantees a portion of every loan, VA rates are typically lower than conventional rates — one of the biggest financial advantages of using your earned benefit.
Get Your Personalized Rate QuoteHow VA Rates Compare Across Lenders
The range of rates you'll see depends on the type of lender you work with. Here's what shapes the range — not exact competitor quotes, which change daily and depend on your specific profile.
| Lender Type | Typical VA Rate Tendency | What Shapes It |
|---|---|---|
| Credit Unionse.g., PenFed, Navy Federal | Often among the lowest for members | Member-owned, not-for-profit structure lets them pass savings on; eligibility limited to members. |
| National & Regional Banks | Competitive, mid-range | Wide product availability and convenience, but overhead and investor pricing can push rates slightly higher than credit unions. |
| Independent VA-Specialized Lenders | Can be lowest or tailored to complex cases | Focused expertise and streamlined VA workflows can mean faster closes and niche-eligibility handling that big banks won't touch. |
Bottom line: Always compare at least two to three VA lenders — and see our guide to the best VA loan lenders for exactly what to compare. Rate shopping within a short window (typically 14–45 days) counts as a single credit inquiry, so there's no penalty for comparing multiple offers.
What Affects Your VA Loan Rate
Even with the VA guaranty lowering the floor, several personal factors move your specific rate up or down.
Credit Score
The VA sets no minimum, but most lender overlays start around 580–620. A higher score unlocks the lowest rates.
Loan Term
A 15-year term usually carries a lower rate than a 30-year — but a higher monthly payment since you repay twice as fast.
Down Payment
VA loans allow $0 down, but putting money down can reduce your funding fee tier and slightly improve pricing in some cases.
Funding Fee Tier
Down payment size, prior VA loan use, and service-connected disability status all change your funding fee — which shapes your true cost of borrowing.
Market Conditions
VA rates track the 10-year Treasury yield and broader mortgage bond market. Rates shift daily, so timing your lock matters.
Plug In a Rate and See Your Payment
Found a VA rate you're considering? Enter it below alongside your home price and down payment to see your estimated monthly payment — including taxes, insurance, and PMI for full-picture accuracy.
Taxes, Insurance & PMI (Yearly)
No PMI required at 20%+ down.
Estimated Monthly Payment
Amortization & Payoff Schedule
Visualizing your principal build-up versus interest paid over the 30-year term.
VA Loan Rate FAQs
Get Your Personalized Rate Quote
Published rates are a starting point. Get a real rate based on your actual credit, service history, and home price — no credit pull required.
Get Your Personalized Rate Quote