Skip to Content
VA Loan Rates from the Nation's
#1 VA Home Purchase Lender
Lock in your rate with the lender who provided the most VA Home Purchase Loans of anyone in 2017. Source: Department of Veterans Affairs
Today's VA Loan Rates:
30-Year Fixed VA Loan
4.750% 5.020% APR
15-Year Fixed VA Loan
4.625% 5.094% APR
99.5% Customer Recommendation Rating!   4.8 out of 5 Average Satisfaction Rating

VA Loan Rates

Because VA home loans are backed by the federal government, lenders have the luxury of charging competitively low interest rates. Eligible veterans and service members find that rates are generally lower with a VA home loan than a conventional mortgage.

The VA doesn’t set interest rates. Your lender determines the rate on your VA loan based on your unique financial situation. To speak with a VA Mortgage Specialist about interest rates, call (619) 296-5626 today or get started online.

What Determines My Rate?

VA loan interest rates are influenced by a variety of factors, including:
  • Credit score
  • Debt-to-income ratio
  • Loan duration (15- or 30-year)
  • Current market conditions

Because of the risk involved in issuing a loan, a good credit score almost always means a lower rate. However, even if your credit report isn't in perfect shape, you may still have an easier time qualifying for a low rate due to the VA Guaranty.

Locking in Your VA Loan Rate

Once you've identified the house you wish to purchase and have entered a contract for that property, your Veterans United loan officer will help you figure out what the rate will look like. In most cases, we will have a better forecast of your rate after an underwriter has reviewed your loan and you have a general idea of your closing date.

If you're ready to get started determining your VA home loan rate, or if you have more questions, don't hesitate to get in touch with one of our experts at (619) 296-5626 or start your VA Home Loan quote online. There's no obligation, and you'll be one step closer to owning your brand new home.

Why Veterans United?

Locking in your interest rate at the right time is key, which means it's important to find a lender who understands your needs and the forces that shape VA loan interest rates.

Some lenders try to entice borrowers with unbelievably low rates that are almost impossible to qualify for. We'll work within your financial means and give you an accurate and realistic quote.

With Veterans United Home Loans, you won't be forced to pay hidden costs or locking fees. By speaking with a Veterans United loan specialist, you're guaranteed total transparency when it comes to your interest rate.

Are you a first-time homebuyer? Read our next section for more information about purchasing your first home with a VA Loan.

Speak with a Home Loan Specialist today
- or visit us at -
8885 Rio San Diego Drive, Suites 133 and 135, San Diego, CA 92108
A VA approved lender; Not endorsed or sponsored by the Dept. of Veterans Affairs or any government agency.