VA Loan Rates for Feb 9, 2026
Compare VA loan rates from top lenders. $0 down, no PMI for eligible veterans and service members.
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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 and can even be used for investment properties under certain conditions.
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