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VA Mortgage Rates

Today’s VA Rates

Competitive VA pricing — but only relevant if it improves your full financial picture.

Rates effective June 12, 2026 · Subject to change · Includes discount points
VA Fixed
Interest Rate
APR
Discount Points
Monthly Payment
Origination Fee $0

A VA loan of $300,000 for 30 years at 5.490% interest and 5.66% APR will result in a monthly payment of $1,701.49. Taxes and insurance not included; therefore, the actual payment obligation will be greater. Discount points included. All loans subject to credit approval.

VA Fixed
Interest Rate
APR
Discount Points
Monthly Payment
Origination Fee $0

A VA loan of $300,000 for 15 years at 4.875% interest and 5.21% APR will result in a monthly payment of $2,352.92. Taxes and insurance not included; therefore, the actual payment obligation will be greater. Discount points included. All loans subject to credit approval.

✓ $0 origination fee — many VA lenders charge up to 1%
✓ Pricing structured across lenders — not locked to one bank
✓ We’ll tell you if another offer is better
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Illustrative Example
Before
Mortgage $1,800/mo
Other debt $1,200/mo
Total going out $3,000/mo
After restructuring
Single payment ~$2,400/mo
Monthly difference +$600

Illustrative example. Actual results vary based on credit, equity, debt mix, rates, terms, and lender approval. Do not rely on this as a projection of your outcome.

These rates only matter if they improve your full picture.

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Related reading: Lower payment vs. total cost — how to compare a refinance · HR 6047 & VA home loan eligibility · VA streamline refinance (IRRRL) explained

Rates displayed are “as low as” and effective June 12, 2026. Displayed rates include discount points and are subject to change. Rates vary based on creditworthiness, loan-to-value ratio, occupancy type, property type, and loan purpose. No origination fee. All loans subject to credit approval. NMLS #2822744 · Focus Home Mortgage Inc. NMLS #2769672 · Equal Housing Lender.