VA Home Loans

VA Loans Done Right is a group of VA Mortgage professionals with over 20 years of experience in VA Home Financing. VA Mortgages remain one of the best Home Loan Programs with some of the Lowest Mortgage Rates in the United States and can help active and retired military achieve the American dream of home ownership with 100% financing, no mortgage insurance, and reasonable credit guidelines. VA is arguably the best first time home buyer loan in the market.

The Veterans Administration offers a stable, government-backed mortgage program that has been around for decades.  Despite recent tightening of mortgage qualification standard, VA remains a flexible program designed to help veterans achieve the dream of home ownership. VA rates are competitive with “conventional” rates and payments are low due to no mortgage insurance.

One of our experienced VA Home Loan Experts will give you a free, honest, no obligation consultation to help determine if you qualify for VA financing!

Purchase a home with VA Financing

Refinance your VA Mortgage

OK, sounds good, but do you qualify?  The first step to determining if you qualify for a VA Home Loan is to order your VA Certificate of Eligibility (COE).  We can obtain your COE in minutes through our VA Portal.  You must have a DD214 or be active military in order to request your COE.  Visit our Certificate of Eligibility page for more information.

Once you have determined your eligibility, the next step is to get pre-approved.  If you are buying a home, the seller will want to see a pre-approval letter submitted with your offer.  Our VA Home Loan Experts can help you get pre-approved today!

Today’s National VA Mortgage Rates for June 10, 2010

*Please note that National VA Mortgage Rates are subject to change, sometimes several times per day.*

*We now have credit score tier specific National VA Mortgage Rates!*

*All National VA Mortgage Rates posted are based on 30 day locks. *

*Please note that the National VA Mortgage Rates posted are subject to adjustments for the following criteria*

1) Loans under $100,000.00.

2) State specific adjustments.

VA 30 year fixed – Credit Scores 620 to 639

With 1.5 points – 4.375%! – APR of 4.762%

With 1 points – 4.50%! – APR of 4.844%

With 0 points – 4.750%! – APR of 5.008%

VA 30 year fixed – Credit Scores 640 to 659

With 1.375 points – 4.375%! – APR of 4.751%

With .50 points – 4.50%! – APR of 4.799%

With .250 points – 4.625%! – APR of 4.904%

VA 30 year fixed – Credit Scores 660 to 699

With 2.0 points – 4.250%! – APR of 4.679%

With 1.125 points – 4.375%! – APR of 4.728%

With 0 points – 4.625%! – APR of 4.882%

VA 30 year fixed – Credit Scores 740+

With 1.5 points – 4.250%! – APR of 4.634%

With 1.0 points – 4.375%! – APR of 4.717%

With 0 points – 4.50%! – APR of 4.755%

VA 15 year fixed – Credit Scores 620 to 639

With 0 points and a credit towards closing costs of 1.375 points – 4.25%! – APR of 4.693%

With 0 points and a credit towards closing costs of 1.750 points – 4.375%! – APR of 4.820%

VA 15 year fixed – Credit Scores 640 to 659

With 0 points and a credit towards closing costs of 1.375 points – 4.25%! – APR of 4.693%

With 0 points and a credit towards closing costs of 1.750 points – 4.375%! – APR of 4.820%

VA 15 year fixed – Credit Scores 660 to 699

With 0 points and a credit towards closing costs of 1.375 points – 4.25%! – APR of 4.693%

With 0 points and a credit towards closing costs of 1.750 points – 4.375%! – APR of 4.820%

VA 15 year fixed – Credit Scores 740+

With 0 points and a credit towards closing costs of 1.375 points – 4.25%! – APR of 4.693%

With 0 points and a credit towards closing costs of 1.750 points – 4.375%! – APR of 4.820%

VA Hybrid 3/1 ARM – (1/1/5 Caps)- Credit Scores 620 to 639

With 0 points and a credit towards closing costs of 1.125 points – 3.750%! – APR of 3.101%

With 0 points and a credit towards closing costs of 1.5 points – 3.875%! – APR of 3.139%

VA Hybrid 3/1 ARM – (1/1/5 Caps)- Credit Scores 640 to 659

With 0 points and a credit towards closing costs of 1.125 points – 3.750%! – APR of 3.101%

With 0 points and a credit towards closing costs of 1.5 points – 3.875%! – APR of 3.139%

VA Hybrid 3/1 ARM – (1/1/5 Caps)- Credit Scores 660 to 699

With 0 points and a credit towards closing costs of 1.125 points – 3.750%! – APR of 3.101%

With 0 points and a credit towards closing costs of 1.5 points – 3.875%! – APR of 3.139%

VA Hybrid 3/1 ARM – (1/1/5 Caps)- Credit Scores 740+

With 0 points and a credit towards closing costs of 1.125 points – 3.750%! – APR of 3.101%

With 0 points and a credit towards closing costs of 1.5 points – 3.875%! – APR of 3.139%

VA Hybrid 5/1 ARM – (1/1/5 Caps)- Credit Scores 620 to 659

With 1.0 points – 3.75%! – APR of 3.908%

With 0 points – 4.125%! – APR of 4.201%

VA Hybrid 5/1 ARM – (1/1/5 Caps)- Credit Scores 660 to 719

With 1.0 points – 3.625%! – APR of 3.872%

With 0 points – 3.875%! – APR of 3.950%

VA Hybrid 5/1 ARM – (1/1/5 Caps)- Credit Scores 720+

With 1.066 points – 3.50%! – APR of 3.661%

With 0 points – 3.875%! – APR of 3.950%

Click here for your free customized quote.

Compare Today’s National VA Rates with Today’s USDA Rates and Today’s FHA Rates

You can also compare our rates to those offered by Pentagon Federal Credit Union, please see below.

Here is the link to their rates: https://www.penfed.org/productsAndRates/mortgages/mortgageRatesListing.asp

VA Fixed Mortgage Loans

Fixed Rate Mortgages carry a 1% Origination Fee.

30-Year VA Fixed Loan
	Rate	Points	APR
	5.250	0.000	5.637
	5.125	0.250	5.533
	5.000	1.000	5.476
15-Year VA Fixed Loan
	Rate	Points	APR
	4.375	0.000	5.021
	4.250	0.625	4.993
	4.125	1.625	5.025

All rates are effective June 10, 2010 and are subject to change without notice.

Rates are generally posted on this page between 11:30 AM – 12:30 PM Eastern Time. If you are viewing these rates prior to that time and yesterday’s date appears above, the rates shown here may no longer be available.
You must have a completed and submitted loan application before you can lock a rate. Before you lock your rate please read our rate lock policy and your rate protection options.

Information provided is solely for use by licensed real estate agents, builders and consumer use but not for distribution. Rates and APR are accurate as of date shown above and subject to change without notice. *APR and rates are based on $200,000 loan amount with zero money down and 30 day rate locks.

Today’s National VA Mortgage Rates for May 26, 2010

*Please note that National VA Mortgage Rates are subject to change, sometimes several times per day.*

*We now have credit score tier specific National VA Mortgage Rates!*

*All National VA Mortgage Rates posted are based on 30 day locks. *

*Please note that the National VA Mortgage Rates posted are subject to adjustments for the following criteria*

1) Loans under $100,000.00.

2) State specific adjustments.

VA 30 year fixed – Credit Scores 620 to 639

With 1.125 points – 4.50%! – APR of 4.676%

With 0 points – 4.750%! – APR of 4.829%

VA 30 year fixed – Credit Scores 640 to 659

With 1.0 points – 4.50%! – APR of 4.665%

With 0 points – 4.750%! – APR of 4.829%

VA 30 year fixed – Credit Scores 660 to 699

With 1.0 points – 4.5%! – APR of 4.665%

With 0 points – 4.750%! – APR of 4.829%

VA 30 year fixed – Credit Scores 740+

With 1 points – 4.375%!  – APR of 4.539%

With 0 points – 4.50%! – APR of 4.578%

VA 15 year fixed – Credit Scores 620 to 639

With 0 points and a credit towards closing costs of .875 points – 4.25%! – APR of 4.386%

With 0 points and a credit towards closing costs of 1.375 points – 4.375%! – APR of 4.511%

VA 15 year fixed – Credit Scores 640 to 659

With 0 points and a credit towards closing costs of 1 points – 4.25%! – APR of 4.386%

With 0 points and a credit towards closing costs of 1.5 points – 4.375%! – APR of 4.386%

VA 15 year fixed – Credit Scores 660 to 699

With 0 points and a credit towards closing costs of 1.250 points – 4.25%! – APR of 4.386%

With 0 points and a credit towards closing costs of 1.750 points – 4.375%! – APR of 4.386%

VA 15 year fixed – Credit Scores 740+

With 0 points and a credit towards closing costs of 1.625 points – 4.25%! – APR of 4.386%

With 0 points and a credit towards closing costs of 2.125 points – 4.25%! – APR of 4.386%

VA Hybrid 3/1 ARM- Credit Scores 620 to 639

With 0 points and a credit towards closing costs of .25 points – 3.750%! – APR of 3.825%

With 0 points and a credit towards closing costs of .625 points – 3.875%! – APR of 3.950%

VA Hybrid 3/1 ARM – Credit Scores 640 to 659

With 0 points and a credit towards closing costs of .375 points – 3.750%! – APR of 3.825%

With 0 points and a credit towards closing costs of .750 points – 3.875%! – APR of 3.950%

VA Hybrid 3/1 ARM – Credit Scores 660 to 699

With 0 points and a credit towards closing costs of .625 points – 3.750%! – APR of 3.825%

With 0 points and a credit towards closing costs of 1 points – 3.875%! – APR of 3.950%

VA Hybrid 3/1 ARM – Credit Scores 740+

With 0 points and a credit towards closing costs of 1 points – 3.750%! – APR of 3.825%

With 0 points and a credit towards closing costs of 1.375 points – 3.875%! – APR of 3.950%

VA Hybrid 5/1 ARM – Credit Scores 620 to 659

With 1.0 points – 3.75%! – APR of 3.908%

With 0 points – 4.125%! – APR of 4.201%

VA Hybrid 5/1 ARM – Credit Scores 660 to 719

With 1.0 points – 3.625%! – APR of 3.872%

With 0 points – 3.875%! – APR of 3.950%

VA Hybrid 5/1 ARM – Credit Scores 720+

With 1.066 points – 3.50%! – APR of 3.661%

With 0 points – 3.875%! – APR of 3.950%

Click here for your free customized quote.

Compare Today’s National VA Rates with Today’s USDA Rates and Today’s FHA Rates

You can also compare our rates to those offered by Pentagon Federal Credit Union, please see below.

Here is the link to their rates: https://www.penfed.org/productsAndRates/mortgages/mortgageRatesListing.asp

VA Fixed Mortgage Loans

Fixed Rate Mortgages carry a 1% Origination Fee.

30-Year VA Fixed Loan
	Rate	Points	APR
	5.375	0.000	5.765
	5.250	0.625	5.697
	5.125	1.375	5.641
15-Year VA Fixed Loan
	Rate	Points	APR
	4.500	0.000	5.148
	4.375	0.750	5.141
	4.250	1.750	5.174

Information provided is solely for use by licensed real estate agents, builders and consumer use but not for distribution. Rates and APR are accurate as of date shown above and subject to change without notice. *APR and rates are based on $200,000 loan amount with zero money down and 30 day rate locks.

Today’s National VA Mortgage Rates for May 6, 2010

*Please note that National VA Mortgage Rates are subject to change, sometimes several times per day.*

*We now have credit score tier specific National VA Mortgage Rates!*

*All National VA Mortgage Rates posted are based on 30 day locks. *

*Please note that the National VA Mortgage Rates posted are subject to adjustments for the following criteria*

1) Loans under $100,000.00.

2) State specific adjustments.

VA 30 year fixed – Credit Scores 620 to 639

With .50 points – 4.75%! – APR of 4.869%

With 0 points – 4.875%! – APR of 4.950%

VA 30 year fixed – Credit Scores 640 to 659

With 1.125 points – 4.625%! – APR of 4.798%

With 0 points – 4.875%! – APR of 4.950%

VA 30 year fixed – Credit Scores 660 to 699

With 1.125 points – 4.625%! – APR of 4.798%

With .125 points – 4.750%! – APR of 4.836%

VA 30 year fixed – Credit Scores 740+

With 1.0 points – 4.50%!  – APR of 4.661%

With 0 points – 4.75%! – APR of 4.825%

VA 15 year fixed – Credit Scores 620 to 639

With a credit of .625 points – 4.25%! – APR of 4.284%

With a credit of 1.125 points – 4.375%! – APR of 4.409%

VA 15 year fixed – Credit Scores 640 to 659

With a credit of .625 points – 4.25%! – APR of 4.284%

With a credit of 1.125 points – 4.375%! – APR of 4.409%

VA 15 year fixed – Credit Scores 660 to 699

With a credit of .875 points – 4.25%! – APR of 4.284%

With a credit of 1.375 points – 4.375%! – APR of 4.409%

VA 15 year fixed – Credit Scores 740+

With a credit of .875 points – 4.25%! – APR of 4.284%

With a credit of 1.375 points – 4.375%! – APR of 4.409%

VA Hybrid 3/1 ARM- Credit Scores 620 to 639

With a credit of 1.0 points – 3.75%! – APR of 3.751%

With a credit of 1.375 points – 3.875%! – APR of 3.876%

VA Hybrid 3/1 ARM – Credit Scores 640 to 659

With a credit of 1.0 points – 3.75%! – APR of 3.751%

With a credit of 1.375 points – 3.875%! – APR of 3.876%

VA Hybrid 3/1 ARM – Credit Scores 660 to 699

With a credit of 1.0 points – 3.75%! – APR of 3.751%

With a credit of 1.375 points – 3.875%! – APR of 3.876%

VA Hybrid 3/1 ARM – Credit Scores 740+

With a credit of 1.0 points – 3.75%! – APR of 3.751%

With a credit of 1.375 points – 3.875%! – APR of 3.876%

VA Hybrid 5/1 ARM – Credit Scores 620 to 639

With 1.0 points – 3.25%! – APR of 3.399%

With 0 points – 3.75%! – APR of 3.820%

VA Hybrid 5/1 ARM – Credit Scores 640 to 659

With 1.0 points – 3.25%! – APR of 3.399%

With 0 points – 3.75%! – APR of 3.820%

VA Hybrid 5/1 ARM – Credit Scores 660 to 699

With 1.0 points – 3.25%! – APR of 3.399%

With 0 points – 3.75%! – APR of 3.820%

VA Hybrid 5/1 ARM – Credit Scores 740+

With 1.0 points – 3.25%! – APR of 3.399%

With 0 points – 3.75%! – APR of 3.820%

Click here for your free customized quote.

Compare Today’s National VA Rates with Today’s USDA Rates and Today’s FHA Rates

Information provided is solely for use by licensed real estate agents, builders and consumer use but not for distribution. Rates and APR are accurate as of date shown above and subject to change without notice. *APR and rates are based on $200,000 loan amount with zero money down and 30 day rate locks.

National VA mortgage rates for 02/12/2010

*Please note that National VA mortgage rates are subject to change, sometimes several times per day.*

*We now have credit score tier specific National VA mortgage Rates!*

*All National VA mortgage rates posted are based on 30 day locks. *

*Please note that the National VA mortgage rates posted are subject to adjustments for the following criteria*

1) Loans under $100,000.00.

2) State specific adjustments.

VA 30 year fixed – Credit Scores 620 to 639

With 1.00 points – 4.75%!          With .250 points – 4.875%!

VA 30 year fixed – Credit Scores 640 to 659

With .750 points – 4.75%!          With 0 points – 4.875%!

VA 30 year fixed – Credit Scores 660 to 699

With .500 points – 4.75%!          With 0 points – 4.875%!

VA 30 year fixed – Credit Scores 740+

With 1.25 points – 4.625%!                 With 0 points – 4.75%!

VA 15 year fixed – Credit Scores 620 to 639

With .125 points – 4.25%!          With 0 points – 4.375%!

VA 15 year fixed – Credit Scores 640 to 659

With 0 points – 4.25%!          With a credit of .50 points – 4.375%!

VA 15 year fixed – Credit Scores 660 to 699

With a credit of .250 points – 4.25%!         With a credit of .750 points – 4.375%!

VA 15 year fixed – Credit Scores 740+

With a credit of .625 points – 4.25%!          With a credit of 1.125 points – 4.375%!

VA 3/1 ARM- Credit Scores 620 to 639

With 1 points – 3.75%!          With .125 points – 4.0%!

VA 3/1 ARM – Credit Scores 640 to 659

With .75 points – 3.75%!          With 0 points – 4.0%!

VA 3/1 ARM – Credit Scores 660 to 699

With .5 points – 3.75%!          With .125 points – 3.875%!

VA 3/1 ARM (1/1/5 Caps)- Credit Scores 740+

With .125 points – 3.75%!          With 0 points – 3.875%!

Click here for your free customized quote.

Compare Today’s National VA Rates with Today’s USDA Rates and Today’s FHA Rates







Today’s National VA Mortgage Rates for 01/21/2010

*Please note that Today’s National VA Mortgage Rates are subject to change, sometimes several times per day.*

*We now have credit score tier specific National VA Mortgage Rates!*

*All National VA Mortgage Rates posted are based on 30 day locks. *

*Please note that the National VA Mortgage Rates posted are subject to adjustments for the following criteria*

1) Loans under $100,000.00.

2) State specific adjustments.

VA 30 year fixed – Credit Scores 620 to 639

With 1.25 points – 4.75%!          With 0 points – 5.00%!

VA 30 year fixed – Credit Scores 640 to 659

With 1.25 points – 4.75%!          With 0 points – 5.0%!

VA 30 year fixed – Credit Scores 660 to 699

With .875 points – 4.75%!          With .250 points – 4.875%!

VA 30 year fixed – Credit Scores 740+

With .5 points – 4.75%!          With 0 points – 4.875%!

VA 15 year fixed – Credit Scores 620 to 639

With 1.0 points – 4.25%!          With .250 points – 4.375%!

VA 15 year fixed – Credit Scores 640 to 659

With .750 points – 4.25%!          With .125 points – 4.375%!

VA 15 year fixed – Credit Scores 660 to 699

With .50 points – 4.25%!         With 0 points – 4.375%!

VA 15 year fixed – Credit Scores 740+

With .125 points – 4.25%!          With 0 points – 4.375%!

VA 3/1 ARM- Credit Scores 620 to 639

With 1 points – 3.75%!          With .125 points – 4.0%!

VA 3/1 ARM – Credit Scores 640 to 659

With .75 points – 3.75%!          With 0 points – 4.0%!

VA 3/1 ARM – Credit Scores 660 to 699

With .5 points – 3.75%!          With .125 points – 3.875%!

VA 3/1 ARM (1/1/5 Caps)- Credit Scores 740+

With .125 points – 3.75%!          With 0 points – 3.875%!

Click here for your free customized quote.

Compare Today’s National VA Mortgage Rates with Today’s USDA Rates and Today’s FHA Rates



Today’s National VA Mortgage Rates for 01/05/2010

*Please note that VA mortgage rates are subject to change, sometimes several times per day.*

*All VA mortgage rates assume a credit score of at least 620.*

*All VA mortgage rates posted are based on 30 day locks. *

*Please note that the VA mortgage rates posted are subject to adjustments for the following criteria*

1) Loans under $100,000.00.

2) State specific adjustments.

VA 30 year fixed

With 1 point – 4.875%!

With 0 points – 5.125%!

VA 15 year fixed.

With 1 points – 4.25%!

With 0 points – 4.50%!

VA 3/1  year ARM

With 1 points – 3.75%!

With 0 points – 4.125%!

VA 5/1  year ARM

With 1 point – 4.50%

Click here for your free customized quote.

Today’s National VA Mortgage Rates for 12/18/2009

*Please note that VA mortgage rates are subject to change, sometimes several times per day.*

*All VA mortgage rates assume a credit score of at least 620.*

*All VA mortgage rates posted are based on 30 day locks. *

*Please note that the VA mortgage rates posted are subject to adjustments for the following criteria*

1) Loans under $100,000.00.

2) State specific adjustments.

VA 30 year fixed

With .5 point – 4.750%!

With 0 points – 4.875%!

VA 15 year fixed.

With 0 points – 4.25%!

VA 3/1  year ARM

With 0 points – 3.75%!

VA 5/1  year ARM

With 1 point – 4.25%

With 0 points – 4.750%

Click here for your free customized quote.

Today’s National VA Mortgage Rates for 12/10/2009

*Please note that VA mortgage rates are subject to change, sometimes several times per day.*

*All VA mortgage rates assume a credit score of at least 620.*

*All VA mortgage rates posted are based on 30 day locks. *

*Please note that the VA mortgage rates posted are subject to adjustments for the following criteria*

1) Loans under $100,000.00.

2) State specific adjustments.

VA 30 year fixed

With 1 point – 4.750%!

With 0 points – 4.875%!

VA 15 year fixed.

With 1/2 point (0.50%) – 4.25%!

With 0 points – 4.375%!

VA 3/1  year ARM

With 1 point – 3.75%!

With 0 points – 4.250%!

VA 5/1  year ARM

With 1 point – 4.25%

With 0 points – 4.50%

Click here for your free customized quote.

Airtime: Mon. Nov. 30 2009 | 12:48 PM ET

The U.S. Treasury plans to push lenders to modify their mortgages in hopes of keeping more Americans in their homes. Michael Barr, assistant Treasury Secretary, provides insight into the program and participants to CNBC’s Diana Olick.

Today’s National VA Mortgage Rates for 11/30/2009

*Please note that VA mortgage rates are subject to change, sometimes several times per day.*

*All VA mortgage rates assume a credit score of at least 620.*

*All VA mortgage rates posted are based on 30 day locks. *

*Please note that the VA mortgage rates posted are subject to adjustments for the following criteria*

1) Loans under $100,000.00.

2) State specific adjustments.

VA 30 year fixed

With 1. point – 4.50%!

With 0 points – 4.875%!

VA 15 year fixed.

With 1/2 point (0.50%) – 4.25%!

With 0 points – 4.375%!

VA 3/1  year ARM

With 0 point – 3.875%!

With 1 points – 4.375%!

VA 5/1  year ARM

With 1.125 point – 4.25%

With 0 points – 4.50%

Click here for your free customized quote.

Compare Today’s VA Rates with Today’s FHA Rates and Today’s USDA Rates