Best VA Mortgage Rates Today July 2026 | As Low As 5.49%
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 SELCO Community Credit UnionSELCO Community Credit Union110 International Way, Albany, OR 97210A+5.0 ★Texas Ratio: 3.18% offering 30 Year VA Loan at 5.88%, and Utah First Federal Credit UnionUtah First Federal Credit Union1155 W Park Lane, American Fork, UT 84003A+5.0 ★Texas Ratio: 1.94% offering VA Fixed at 5.75%, 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 5.62%, and SharePoint Credit UnionSharePoint Credit Union10750 France Ave S, Andover, MN 55304A+5.0 ★Texas Ratio: 4.43% offering VA IRRRL 30-Year Fixed at 6.00%.
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 25, 2026
Compare VA Mortgage Rates
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As Low As
Rates are subject to change without notice.
Rates are subject to change without notice.
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VA Purchase 0% Down
VA; 6.385%
As Low As; VA
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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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Par rate; based on certain assumptions. Your specific rate will be based on your unique circumstances and may differ from the rates shown in this table. Be sure to ask about additional loan programs and rates when you speak with a Mortgage Loan Originator. Not all applicants will qualify for the lowest rate.
Origination Fee: $0
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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.
Loan Amount Example: $300,000.00; Monthly Payment Example: $1,896.20
As Low As
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Offer available for purchases and refinances in MD, DE, PA. Must be primary residence. Purchase specials available. Property insurance is required. Flood insurance may also be required. Loan subject to credit approval. Membership eligibility required. Ask for details. Escrow options available.
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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.
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As low as Rates
As low as Rates
Rate is based on certain assumptions. Your specific rate will be based on your unique circumstances and may differ from the rates shown in this table. Be sure to ask about additional loan programs and rates when you speak with a Mortgage Loan Originator.
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As low as Rates
As low as Rates
6.625% / 6.786% APR
Discount: 0.000%
Accurate as of 07/25/2026
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As Low As
For a $250,000 Loan
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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 rose 0.070 points over the past 7 days to 8.322%, up from 8.252% 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?
- Wells Fargo: 5.75% (30-Year Fixed-Rate VA)
- SELCO Community Credit Union: 5.88% (30 Year VA Loan)
- Utah First Federal Credit Union: 5.75% (VA Fixed)
- Avadian Credit Union: 5.62% (30-Year VA Fixed)
- SharePoint Credit Union: 6.00% (VA IRRRL 30-Year Fixed)
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