VA Loan Rates for Feb 10, 2026
VA loans offer $0 down and no PMI for eligible veterans and service members. Compare VA loan rates in the table below. Want a personalized quote? See if you qualify with a licensed broker.
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About VA loans
VA loans are an exclusive benefit for veterans, active-duty service members, and eligible spouses, offering 0% down payment with no private mortgage insurance required. Backed by the Department of Veterans Affairs, these loans often feature lower interest rates and more flexible credit requirements than conventional mortgages.
This powerful benefit rewards military service with significant savings—eliminating both down payment hurdles and ongoing mortgage insurance costs that other buyers must pay. VA loans are reusable, can sometimes be used to purchase multi-unit properties, and allow for streamlined refinancing options when rates drop.
Advantages
- ✓$0 down payment required (100% financing)
- ✓No private mortgage insurance (PMI)
- ✓Competitive interest rates below conventional
- ✓Flexible credit requirements for veterans
Considerations
- •VA funding fee of 1.25-3.3% (can be financed)
- •Property requirements must meet VA standards
- •Certificate of Eligibility required (COE)
- •Some sellers may prefer conventional buyers