Best VA Mortgage Rates Today August 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 SELCO Community Credit UnionSELCO Community Credit Union110 International Way, Albany, OR 97210A+5.0 ★Texas Ratio: 3.18% offering Current Mortgage Rates - 30 Year VA 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 Loan at 5.75%, and Educators Credit UnionEducators Credit Union100 Chapman Farm Blvd, Beloit, WI 53105A+5.0 ★Texas Ratio: 4.41% offering VA Mortgage Products - 30-year Fixed at 6.12%, and Wells FargoWells Fargo11th Floor Express Tower Nariman Point, Aberdeen England, 00000A5.0 ★Texas Ratio: 7.44% offering 30-Year Fixed-Rate VA at 6.00%, 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 6.12%.
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: August 28, 2026
Compare VA Mortgage Rates
As Low As
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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.
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Rate example based on loan amount of $400,000, with a 25% down payment.
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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 5.990% interest rate, the fixed APR for this loan type is 6.287%. The monthly payment would be: 359 payments of $2,753.03 at an interest rate of 5.990% 1 payment of $2,752.06 at an interest rate of 5.990%. 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.
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Rates are subject to change without notice. (30-year rate shown)
Rates are subject to change without notice.
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VA Purchase 0% Down
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Example Loan Monthly Payment*** $1,847.15
Example Loan Monthly Payment*** $1,847.15
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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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Rates are quoted on a 30-day lock option. For additional rates or program availability, please contact the Mortgage Department, at 254.774.5104 or to apply online, please visit our website at www.TexellHomeLoans.com. 1 Loans currently financed with Texell are not eligible for refinance.
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Offer available for purchases and refinances in MD, DE, PA. Must be primary residence. Purchase specials available.
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Rates last updated on 08/24/2026 at 12:15 PM (EST). Mortgage rates are based upon a variety of assumptions and conditions. The credit score used in this estimate may be higher or lower than your personal credit score. A loan's interest rate will depend upon specific characteristics of the loan and the borrower's credit history through the time of closing. 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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Important Assumptions
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Government Fixed Rate
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100% LTV
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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.
Terms and Conditions for Federal VA 30 Year Fixed Rate
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Government Fixed Rate
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As Low As
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Loan Amount Example: $300,000.00; Monthly Payment Example: $1,945.79
As Low As
We charge a loan origination fee of 1% of the loan amount
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Purchase; For a $250,000 Loan
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Points (cost): $158
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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 fell 0.227 points over the past 7 days to 8.229%, down from 8.456% 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?
- SELCO Community Credit Union: 5.88% (Current Mortgage Rates - 30 Year VA)
- Utah First Federal Credit Union: 5.75% (VA Loan)
- Educators Credit Union: 6.12% (VA Mortgage Products - 30-year Fixed)
- Wells Fargo: 6.00% (30-Year Fixed-Rate VA)
- SharePoint Credit Union: 6.12% (VA IRRRL 30-Year Fixed)
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