VA Loan Rates Today

Lowest VA loan rates updated today in all 50 states.

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Remember – the VA loan rates above are updated daily and even by the second, and they’re calculated based on what the best VA lenders refer to as VA mortgage rate “assumptions,” otherwise known as typical numbers for a person seeking a vague idea of VA loan rates available today. Use our instant VA Rate Quote Pricer® by VA Home Mortgage Loan to get your actual VA loan rate today based on your finances and goals.

What’s in a VA loan interest rate these days?

Did you know that several factors impact your VA loan rate today as opposed to VA loan rates before the recession? Here are just a few examples:

  • Type of VA loan (VA loan cash out, VA loan streamline, VA loan for new home purchase, VA loan for energy efficient VA mortgages, or just a plain old VA loan rate/term reduction)

  • Credit history

  • VA loan amount

  • Down payment amount (not required on VA loans)

In general, VA loan rates today are based on the level of risk that the best VA lenders predict for your loan – that’s why so many factors contribute to your customized VA loan rate today. It is also worth mentioning that VA loan rates change multiple times a day based on market trends involving the ten-year treasury note if your VA loan rate is fixed or the one-year Treasury index if your VA loan rate is adjustable. Check out a sampling of today’s VA loan rates and their corresponding indexes.

VA loan rates could change daily. Actual payments on your VA loan will vary based on your individual situation and today's current VA loan rates. VA loan rates are available in all 50 states. Some VA loan jumbo rates are available to first time home buyers. The best VA lenders provide lending services in all areas. Some VA loan rate restrictions may apply. Based on the VA loan purchase or VA refinance of a primary residence with no VA cash out proceeds at the closing table. We assumed that closing costs on VA loans are not paid out of pocket; your VA loan rate quote is based on a primary residence secured by a VA loan and is a single family home; debt-to-income ratio is 30% or less, and credit score is over 720; and an escrow account is established in conjunction with your VA loan for the timely disbursement of property taxes and homeowners insurance. The lock period for your VA loan rate is 40 days.The loan to value (LTV) ratio is 75%. PMI will not be added to your monthly VA mortgage payment because VA loans do not require any form of VA mortgage insurance except the VA funding fee. Please be mindful of the fact that we don’t have all information related to your VA loan. Therefore, the VA loan rate and payment observed from this daily VA loan rate calculator may not match your actual situation. VA mortgage loans offer a wide variety of VA loan options. You may still qualify for a VA loan even if your situation doesn’t match our assumptions. To get more accurate VA loan rates today based on customized results, please call (855) VA-LOAN-0 to speak to a VA loan expert licensed in all 50 states.

30-Year VA loan Fixed-Rate Mortgage:
The VA mortgage payment on a $300,000 30-year VA Fixed-Rate Loan at 3.125% and 90% loan-to-value (LTV) is $1389.35 with 2.42 discount points due at the closing table. The Annual Percentage Rate (APR) should be considered. VA loan payment quote does not include monthly property tax and insurance obligations. The actual VA mortgage payment will be greater. Some maximum VA loan limits and restrictions may apply.

15-Year VA loan Fixed-Rate Mortgage:
The VA mortgage payment on a $200,000 15-year VA Fixed-Rate Loan at 3.25% and 75% loan-to-value (LTV) is $1,405.34 with 1.875 discount points due at the closing table. The Annual Percentage Rate (APR) should be considered. VA loan payment quote does not include monthly property tax and insurance obligations. The actual VA mortgage payment will be greater. Some maximum VA loan limits and restrictions may apply.

VA Adjustable-Rate Mortgage:
The initial payment on today's 30-year $200,000 VA adjustable rate mortgage at 3.75% and 90% loan-to-value (LTV) is $926.24 with 2.00 discount points due at the closing table. The Annual Percentage Rate (APR) should be considered. VA loan payment quote does not include monthly property tax and insurance obligations. The actual VA mortgage payment will be greater. Some maximum VA loan limits and restrictions may apply. After the initial five years, the principal and interest payment is $946.68. The VA loan indexed rate of 4.00% is in effect for the remaining 25 years and can change by no more than one point annually for the remaining life of the VA mortgage. The VA loan rate is adjustable and subject to change after five years.

Adjustable-Rate Mortgage:
The initial payment on a 30-year $200,000 5-year VA adjustable rate mortgage at 3.75% and 90% loan-to-value (LTV) is $870.42 with 2.00 discount points due at the closing table. The Annual Percentage Rate (APR) should be considered. VA loan payment quote does not include monthly property tax and insurance obligations. The actual VA mortgage payment will be greater. Some maximum VA loan limits and restrictions may apply. After the initial five years, the principal and interest payment is $942.79. The VA loan indexed rate of 4.00% is in effect for the remaining 25 years and can change by no more than one point annually for the remaining life of the VA mortgage. The VA loan rate is adjustable and subject to change after five years.

30-year Fixed-Rate VA Loan:
The VA loan rate is fixed. The VA mortgage payment on a $200,000, 30-year VA fixed-rate loan today at a rate of 3.625% and 90% loan-to-value (LTV) is $912.11 with 1.5 discount points due at the closing table. The Annual Percentage Rate (APR) should be considered. VA loan payment quote does not include monthly property tax and insurance obligations. The actual VA mortgage payment will be greater. Some maximum VA loan limits and restrictions may apply.

VA loans will never require private mortgage insurance (PMI). The VA loan is a VA benefit reserved for honorable military service and only offered to veterans, surviving spouses, and active duty military.

VA Adjustable Rate Mortgage Loan:
The VA mortgage payment on a 30-year $200,000 5-year VA Adjustable Rate at 3.25% and 90% loan-to-value (LTV) is $870.42 with 1.50 discount points due at the closing table. After five years, the principal and interest payment will be $847.01. VA loan payment quote does not include monthly property tax and insurance obligations. The actual VA mortgage payment will be greater. Some maximum VA loan limits and restrictions may apply. VA loans will never require private mortgage insurance (PMI). The Annual Percentage Rate (APR) should be considered. The VA loan rate is adjustable and may increase by no more than one point annually after the initial VA fixed rate period.

General VA Disclaimer:
VA Home Mortgage Loan provides useful information sometimes not found with the best VA lenders, but does not claim to be endorsed or sponsored by the Department of Veterans Affairs or its authorized agent.