VA home loans for veterans & military
Today's VA loan rates
Live wholesale VA pricing for veterans, active-duty service members, Guard and Reserve, and eligible surviving spouses. Our VA rates have been lower than the national average every day we've tracked them.
- $0 lender fees on every VA loan
- Funding fee waived with a 10%+ disability rating
- 20-day average close
Live by state
Pick your state, see today's VA rate
Every card shows that state's live 30-year VA quote from the same engine that prices real borrowers. The state pages add the local extras: disabled-veteran property tax exemptions and the full lender comparison.
30-year VA, sample scenario, APR included. Your rate depends on FICO, loan amount, and county. None of these figures is an offer of credit.
HomePilot pricing compared to the competition
Today's VA offers, with the fine print in daylight
As of August 28, 2026, our VA rate is 0.62% under the national average (6.37% average vs our 5.75%, 5.767% APR), worth about $121 a month on a $440,000 example and roughly $43,000 across the loan's term, principal and interest.
HomePilot
5.75%
5.767% APR
Points: 0.244
$0 origination · $0 processing · $0 underwriting
Lowest of our five live state quotes; your state's exact number is in the cards above.
National VA average
6.37%
Mortgage News Daily index
≈ $121/mo more than our live quote
Published Aug 28 · source
Veterans United
5.99%
6.425% APR
Points: 1.563 ($4,611)
May also charge origination, processing, and underwriting fees.
HomePilot is cheaper today
As advertised Aug 29 · their site
Advertised offers are each lender's own sample scenarios and move daily. None of these figures is an offer of credit. See the full comparison.
Every VA product
VA loan options
VA purchase
Buy with $0 down and no monthly mortgage insurance. With full entitlement there is no VA loan limit.
VA IRRRL (streamline refi)
Rates fell since you closed? Swap to a lower rate with reduced documentation, usually no appraisal, and a 0.5% funding fee.
VA cash-out refinance
Tap equity at higher loan-to-value than conventional allows: up to 90% with most lenders (the VA itself permits up to 100%). Also the route back into a VA loan from a conventional.
VA jumbo
Buying above the conforming limit? With full entitlement, qualified buyers still put $0 down at jumbo price points.
Why VA wins
The strongest loan in the market, by the numbers
You earned a loan program the rest of the market can't touch. Here's what it's actually worth, benefit by benefit.
$0
Down payment
With full entitlement, the VA dropped loan limits in 2020. Qualified buyers put nothing down at any price point a lender approves.
$0
Monthly mortgage insurance
FHA charges 0.55% a year in MIP (about $183 a month on a $400,000 loan). VA loans carry no monthly mortgage insurance at any down payment.
4%
Seller concessions
On top of uncapped help with normal closing costs. The two-bucket rule below is worth real money in a negotiation.
0.5%
IRRRL funding fee
If rates fall later, the VA streamline refinance reprices your loan with reduced documentation and a reduced fee. Your rate is never a life sentence. (Funding fee waived with a 10% or more disability rating.)
Waived
Funding fee at 10%+
A disability rating of 10% or more, active-duty Purple Heart status, or eligible surviving-spouse status removes the funding fee entirely.
Yours
Assumable rate
A future buyer can take over your VA loan at your locked rate with servicer approval. In a rising-rate market, that is a genuine selling point for your home.
×2
Loans at once
Entitlement restores when you sell or pay off, and remaining entitlement can buy a second home while you keep the first. Run yours in the calculator below.
$0
Prepayment penalty
Pay extra, recast, or pay the loan off whenever you want. The VA prohibits prepayment penalties on every VA loan.
The rule most agents miss
VA seller help comes in two buckets.
This one is for home purchases: when you're buying, the seller can help pay your costs. Everyone quotes "the seller can give 4%." The VA Lenders Handbook actually splits seller help in two, and knowing the split is worth real money in a purchase negotiation.
Bucket 1 · no cap
Normal closing costs
The seller can pay every ordinary loan-related closing cost, appraisal, title, origination charges, recording, with no percentage limit at all. This is not a concession under the handbook's definition, so it never touches the 4%.
Bucket 2 · up to 4%
True concessions
- · Pay off your debts and judgments at closing
- · Cover the VA funding fee
- · Prepay your taxes and insurance
- · Buy the rate down beyond market-normal points
Source: VA Lenders Handbook M26-7, Chapter 8. Structuring both buckets correctly is negotiation strategy; we do it on every VA purchase offer we price.
Bonus entitlement
Can you buy again without selling?
If you own a home with a VA loan on it, you may not need to give it up to use your benefit again. The remainder of your entitlement (the industry calls it bonus or second-tier entitlement) can guaranty the next purchase. Run your numbers and see whether the next home is $0 down, needs a down payment, or needs a restoration first.
Your VA benefit today
Answer "No" if you have never used a VA loan, or if you sold the home (or refinanced it out of the VA program) and restored your entitlement.
From your closing paperwork, not today's balance. Entitlement in use is about 25% of this number; your COE shows the exact figure.
The next purchase
Most counties use the $832,750 2026 baseline; high-cost counties go up to $1,249,125. Only matters when you are keeping another VA loan.
Your remaining entitlement of $133,188 covers the full 25% guaranty on a $450,000 purchase, with your current VA loan still in place.
The entitlement math
The funding fee is waived entirely with a service-connected disability rating of 10% or more, for active-duty Purple Heart recipients, and for eligible surviving spouses. Fee table as of 2026.
Your COE has the exact numbers.
This is the estimate; your Certificate of Eligibility is the authority. We pull it for you in minutes and price the whole scenario against live wholesale VA rates. No SSN, no hard credit pull to start.
What this estimate assumes
- · Entitlement in use is approximated as 25% of the kept loan's original amount. Your COE may show a different charged figure (partial restorations, older loans, and assumptions all move it).
- · The county limit only matters with partial entitlement. Purchases above $144,000 are assumed, which covers nearly every current market.
- · Carrying two mortgages means qualifying with both payments in your debt-to-income ratio. That, not entitlement, is the usual constraint, and it is exactly what we check on a quote.
- · Estimates only, not a loan offer or a commitment to lend.
We'll beat your VA Loan Estimate.
Or we'll pay you $500.
Got a quote from Veterans United, Rocket Mortgage, or anyone else? Send us their Loan Estimate. We'll line-item it against today's wholesale VA pricing, show you which deal is actually cheaper, and if they win, we'll say so. If we can't beat an eligible offer and you close with them, we pay you $500. Eligible offers, terms apply.
Questions
VA loans, answered
Who has the lowest VA loan rates?
Check, don't trust: this page renders our live VA pricing next to the national VA average and the advertised VA offers of the big lenders, points and APR included, updated daily. Pick your state for the local quote. If an eligible competing offer beats us on your file, our published Best Price Guarantee pays you $500 (terms apply).
Who qualifies for a VA home loan?
Veterans, active-duty service members, National Guard and Reserve members who meet the service minimums, and some surviving spouses. The Certificate of Eligibility (COE) is the official confirmation, and pulling it is part of every quote we run: no digging through discharge paperwork on your own. If you're not sure you qualify, ask; checking costs nothing and doesn't touch your credit.
What states does HomePilot write VA loans in?
Arizona, California, Colorado, Florida, and Texas. Each state has its own live-rate page with that state's disabled-veteran property tax exemptions, and the same $500 rate guarantee applies in all five.
Can I have two VA loans at the same time?
Often, yes. If your current VA loan doesn't use all of your entitlement at your county's loan limit, the remainder (called bonus or second-tier entitlement) can guaranty a second purchase while you keep the first home. The entitlement calculator on this page runs the math; your Certificate of Eligibility confirms it.
What is the VA funding fee in 2026?
For purchases with less than 5% down: 2.15% of the loan amount on first use, 3.3% on subsequent use. With 5% to 9.99% down it drops to 1.5%, and with 10% or more down it's 1.25%. The IRRRL streamline refinance charges just 0.5%. The fee is usually financed into the loan, and it's waived entirely for veterans with a disability rating of 10% or more, active-duty Purple Heart recipients, and eligible surviving spouses.
Is there a VA loan limit?
Not with full entitlement: since 2020 the VA guaranties 25% of any loan size, so qualified buyers put $0 down at any price a lender approves. County conforming limits only matter when you're keeping another VA loan; the 2026 baseline is $832,750, higher in some high-cost counties.
What is the maximum seller concession on a VA loan?
On a home purchase, concessions are capped at 4% of the home's value, but the seller paying your normal loan-related closing costs does not count against that cap, per the VA Lenders Handbook. A well-structured offer can combine full closing-cost coverage plus up to 4% in true concessions, which can include paying off your debts at closing.
What credit score do I need for a VA loan?
The VA itself sets no minimum credit score; individual lenders add their own overlays, and those overlays vary a lot. That's an argument for the wholesale channel: we price the same file across 40+ lender partners, several of whom price VA files in the low-600s FICO range, so one lender's overlay never decides your rate.
HomePilot Mortgage · NMLS #2752340 · Licensed in Arizona, California, Colorado, Florida, and Texas · Equal Housing Opportunity. Rates shown are illustrative samples, not offers of credit; APR included wherever a rate appears. HomePilot Mortgage is a private company, not affiliated with or endorsed by the Department of Veterans Affairs or any government agency.