Best VA Mortgage Rates Today September 2026 | As Low As
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Today's VA mortgage rate mortgage market includes offers such as First State Bank (MI)First State Bank (MI)11555 26 Mile Rd, Chesterfield, MI 48021A5.0 ★Texas Ratio: 6.84% offering various government loan programs - VA Loan at 6.12%, and Neighbors Credit UnionNeighbors Credit Union11899 New Halls Ferry Rd, Ellisville, MO 63011A5.0 ★Texas Ratio: 6.95% offering Standard - 30 Year VA Loan at 6.25%, and WyHy Federal Credit UnionWyHy Federal Credit Union110 Commerce Dr, Casper, WY 82009 7359B4.5 ★Texas Ratio: 20.60% offering Purchases and First Mortgage Refinances - 30 year VA at 6.50%, and Cedar Point Federal Credit UnionCedar Point Federal Credit Union11100 Weymouth Ct, Charlotte Hall, MD 20603A+5.0 ★Texas Ratio: 1.20% offering Federal VA 30 Year Fixed Rate at 6.50%, and Educators Credit UnionEducators Credit Union100 Chapman Farm Blvd, Beloit, WI 53105A+5.0 ★Texas Ratio: 2.95% offering VA Mortgage Products - 30-year Fixed at 6.50%.
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: September 21, 2026
Compare VA Mortgage Rates
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Rates are subject to change without notice.
No additional details available.
As Low As
No additional details available.
No down payment required. $1,600 closing costs. Minimum credit score 620. Certificate of Eligibility required. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. No down payment required.
No additional details available.
No additional details available.
As low as Rates
As low as Rates
No additional details available.
No additional details available.
100% LTV
Rates, terms, and fees as of 9/18/2026 10:15 AM Eastern Daylight Time and subject to change without notice. Select a product to view important disclosures, payments, assumptions, and APR information. Please note we offer additional home loan options not displayed here.
No additional details available.
No additional details available.
Origination Fee: 0%
Term: 30-year Fixed Rate VA Refinance
No additional details available.
VA Purchase 0% Down
No additional details available.
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. Rates provided assume the purpose of the loan is to purchase an existing single-family home to be used as a primary residence and a credit score of 740. An escrow (impound) account is required and actual monthly payments will be higher as it will also include amounts for real estate taxes and homeowner's insurance premiums. Escrow waivers may be available in some cases and additional fees will apply.
No additional details available.
No additional details available.
Loan Amount Example: $300,000.00; Monthly Payment Example: $1,945.79
No additional details available.
The information provided is for a 30-year VA mortgage and assumes the purpose of the loan is to purchase a property, with a loan amount of $459,675.00 and an estimated property value of $450,000.00. The property is located in Utah and is within Salt Lake County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740. At a 6.500% interest rate, the fixed APR for this loan type is 6.806%. The monthly payment would be: 359 payments of $2,905.46 at an interest rate of 6.500% 1 payment of $2,904.07 at an interest rate of 6.500%. The monthly payment amount displayed includes principal and interest. The payment does not include homeowner's insurance or property taxes which must be paid in addition to your loan. Actual APR based on creditworthiness.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Down Payment: 0.00%; Loan Amount: $250,000.00; LTV: 100.00%
No additional details available.
No additional details available.
ARM Index/Margin: 0%; Life Cap: 0%
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
For military veterans interested in purchasing a new home and guaranteed by the Veterans Administration (VA).
For example, a VA loan with 30 year term for a loan amount of $375,000, the internet rate of 6.875%, with an APR of 6.971% would result in an estimated monthly principal and interest payment of $2,463.48. This example does not include taxes, insurance, or escrow amounts; your actual payment obligation may be greater.
No additional details available.
No additional details available.
As low as Rates
As low as Rates
No additional details available.
Max LTV: 100%; Veterans Administration (VA)**
No additional details available.
As Low As; VA Loan
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Important Assumptions
No additional details available.
No additional details available.
No additional details available.
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
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $306,450 and an estimated property value of $300,000. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 720.
No additional details available.
Terms and Conditions for Federal VA 30 Year Fixed Rate
No additional details available.
Designed for Veterans and eligible surviving spouses to become homeowners, with little or no down payment on a primary residence purchase.
No additional details available.
No additional details available.
No additional details available.
Important Assumptions
Learn more
Designed for Veterans and eligible surviving spouses to become homeowners, with little or no down payment on a primary residence purchase.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Loan Amount: $100,000; LTV: 100%
No additional details available.
PURCHASE
No additional details available.
Points (cost): $2,658
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 fell 0.066 points over the past 7 days to 8.040%, down from 8.106% last week.
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?
- First State Bank (MI): 6.12% (various government loan programs - VA Loan)
- Neighbors Credit Union: 6.25% (Standard - 30 Year VA Loan)
- WyHy Federal Credit Union: 6.50% (Purchases and First Mortgage Refinances - 30 year VA)
- Cedar Point Federal Credit Union: 6.50% (Federal VA 30 Year Fixed Rate)
- Educators Credit Union: 6.50% (VA Mortgage Products - 30-year Fixed)
More Mortgage Rate Options
