Best VA Loan Lenders and Rates 2026
The VA home loan benefit is one of the most valuable financial perks of military service: no down payment, no private mortgage insurance, and competitive interest rates. Eligible veterans, active duty servicemembers, and surviving spouses can use the benefit multiple times throughout their lives.
No Down Payment
No PMI
Competitive Rates
Reusable Benefit
| Lender | Est. Rate | Lender Fee | Min Credit Score | Best For | Get Quote |
|---|---|---|---|---|---|
| Veterans United | 6.25% | $0 origination | 620 | Best overall for veterans | Get Quote |
| Navy Federal Credit Union | 6.10% | $0 origination | 620 | Best military credit union | Get Quote |
| USAA | 6.35% | $0 origination | 640 | Best for USAA members | Get Quote |
| Rocket Mortgage | 6.45% | 1% origination | 620 | Best for fast closing | Get Quote |
| NewDay USA | 6.55% | $0 origination | 580 | Best for lower credit scores | Get Quote |
| PenFed Credit Union | 6.20% | $0 origination | 650 | Best for PenFed members | Get Quote |
VA Funding Fee Calculator
Estimate the VA funding fee on your loan. Veterans with a service-connected disability rating may be exempt.
- Funding fee rate
- 2.15%
- Funding fee
- $8,600
- Total loan with fee
- $408,600
This calculator provides estimates only. Not financial advice. Funding fee rates are set by the VA and subject to change. Veterans with a service-connected disability rating may be exempt.
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Rates shown are illustrative and may not reflect current lender pricing. We may earn affiliate commissions on approved applications.