Best VA Mortgage Rates Today July 2026 | As Low As 5.63%
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Today's VA mortgage rate mortgage market includes offers such as Wells FargoWells Fargo11th Floor Express Tower Nariman Point, Aberdeen England, 00000A5.0 ★Texas Ratio: 7.44% offering 30-Year Fixed-Rate VA at 5.75%, and TruStone Financial Credit UnionTruStone Financial Credit Union1400 Riverwood Dr, Bloomington, MN 53110 2611A+5.0 ★Texas Ratio: 5.11% offering VA 30-Year Fixed at 5.88%, and Ent Credit UnionEnt Credit Union1 Mount Baldy Dr, Aurora, CO 80011 7809A+5.0 ★Texas Ratio: 4.52% offering VA 30-Year Fixed at 5.75%, and Cedar Point Federal Credit UnionCedar Point Federal Credit Union11100 Weymouth Ct, Charlotte Hall, MD 20603A+5.0 ★Texas Ratio: 3.81% offering Federal VA 30 Year Fixed Rate at 6.00%, and Avadian Credit UnionAvadian Credit Union1 Riverchase Pkwy S, Birmingham, AL 35023 1668A+5.0 ★Texas Ratio: 2.99% offering 30-Year VA Fixed at 5.88%.
The VA mortgage rate mortgage is the most popular home loan in the United States, prized for its predictable monthly payment and long amortization period that keeps monthly costs manageable. Whether you are a first-time homebuyer or refinancing an existing loan, comparing rates across lenders is the single most effective way to save — even a 0.25% rate difference on a $400,000 loan saves over $20,000 in total interest over 30 years. We empower borrowers with transparent financial health metrics — including A–F Safety Grades, verified Star Ratings, and Texas Ratios — so you can choose a stable institution with confidence.
VA Mortgage Rates reflect actual verified offers from lenders actively lending to borrowers across the country. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: July 5, 2026
Compare VA Mortgage Rates
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As Low As; Purchase
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VA Purchase 0% Down
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As Low As; Interest Rate: 5.625%
VA Loans - (30-year rate shown); Rates are subject to change without notice.
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Origination Fee: $0
Monthly payments are for Principal and Interest only (no escrows) on a loan amount of $300,000 and an estimated property value of $600,000.
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Monthly payment estimates are based on single family, owner occupied, 760 credit score, purchase transaction, no secondary financing, non-condo, 30 day lock. Actual closing costs may be higher or lower depending on where the property is located.
Par rate (no discount points). Your specific rate will be based on your unique circumstances and may differ from the rates shown.
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Rates effective as of 6/22/2026, 10:50:54 AM (ET). Rates are subject to change without notice based on market changes. Rates are based on a 45 day lock.
Number of Monthly Payments: 360
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VA Assumptions: Purchase price $200,000, Loan Amount $204,300, no down-payment, 680 credit score, Illinois primary residence only, single family home, fees may include 2.15% VA funding fee as required by VA, first-time use, regular military, 45-day rate lock.
Loan Amount Example: $300,000.00; Monthly Payment Example: $1,896.20
As Low As
100% LTV
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For example, a VA loan with 30 year term for a loan amount of $375,000, the internet rate of 6.375%, with an APR of 6.478% would result in an estimated monthly principal and interest payment of $2,339.51. This example does not include taxes, insurance, or escrow amounts; your actual payment obligation may be greater.
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6.660% APR
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For a $250,000 Loan
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Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
VA Mortgage Rate Mortgage Rate Trend
Daily average rates across all mortgage types
Daily mortgage rate averages compiled from our database of 8,500+ banks and credit unions — updated daily.
The VA mortgage rate currently averages 8.052% from 8,500+ lenders.
VA Mortgage Calculators
Methodology & Data Sources
Direct-Sourced & Verified Rate Data: Every VA mortgage rate on this page is sourced directly from the official website of the lending institution — no estimates, no survey averages. Our proprietary rate aggregation technology, combined with a dedicated team of rate analysts, verifies and updates listings daily to ensure accuracy.
Coast-to-Coast Lender Coverage: Our database monitors over 8,500 banks and credit unions across all 50 states, capturing a diverse mix of community credit unions, regional banks, and online lenders. This breadth ensures you see competitive rates that many rate surveys miss.
Time-Stamped for Full Transparency: Because VA mortgage rates can shift multiple times per week in response to 10-year Treasury movements and Federal Reserve policy changes, every rate entry carries its own specific "last updated" date. You always know exactly how fresh the data is.
Proprietary Lender Safety Ratings: Rate alone is only part of the picture. MonitorBankRates evaluates the financial stability of every listed institution using regulatory FDIC and NCUA data. Our composite Health Grades (A+ to F), Star Ratings, and Texas Ratio calculations give you a clear view of lender stability so you can borrow with confidence from a financially sound institution.
Frequently Asked Questions About VA Mortgage Rates
What is a VA loan?
Who is eligible for a VA loan?
Do VA loans require a down payment?
What is the VA funding fee?
Do VA loans require mortgage insurance?
What credit score do I need for a VA loan?
What is a VA IRRRL (Interest Rate Reduction Refinance Loan)?
How does a VA loan compare to a conventional or FHA loan?
How are VA mortgage rates determined?
What are today's best VA mortgage rates?
- Wells Fargo: 5.75% (30-Year Fixed-Rate VA)
- TruStone Financial Credit Union: 5.88% (VA 30-Year Fixed)
- Ent Credit Union: 5.75% (VA 30-Year Fixed)
- Cedar Point Federal Credit Union: 6.00% (Federal VA 30 Year Fixed Rate)
- Avadian Credit Union: 5.88% (30-Year VA Fixed)
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