VA Mortgage Rates

'Our Mission is to provide LOW RATES at a LOW COST to Active Duty and Veteran service members. Saving you money is our number one priority.'

Michael Floren

USMC Veteran / Owner

Call the VA Experts Today

719-362-0439

* Rates updated on 07-23-2026 at 10:00am MT

For Details about the Loan Terms and Rates scroll down to the bottom of the page

IRAN conflict and OIL prices are currently effecting rates!

VA HOME PURCHASE

Purchase a home with a 0 down VA home loan.

5.77% APR*

5.75% Rate on a 30 year fixed term, about 1.0% in Discount Points and 0 Origination Points!

VA HOME REFINANCE, IRRRL

Lower your interest rate using the Interest Rate Reduction Refinance Loan.

5.77% APR*

5.75% Rate on a 30 year fixed term, about 1.0% Discount Points and 0 Origination Points!

VA HOME REFINANCE, CASH OUT

Pull out cash from the equity you have in your home.

5.7% APR*

5.75% Rate on a 30 year fixed term, about 0.75% Discount Points and 0 Origination Points!

VA HOME PURCHASE

Purchase a home with a 0 down VA home loan.

Buy a Home
$0 Down Home Purchase
LOW RATES
$0 Discount Points
$0 Origination Fees
VA Financing Experts
Quick Pre-Approval

5.90% APR*

5.875% Rate on a 30 year fixed term, about 0.0% Lender Credit, 0 Discount Points and 0 Origination Points!

VA HOME REFINANCE, IRRRL

Lower your interest rate using the Interest Rate Reduction Refinance Loan.

Refinance to Lower your Interest Rate
Lower your Monthly Payment
Lower your Interest Rate
$0 Discount Points
$0 Origination Fees
Quick Closing
Minimum Documentation

5.90% APR*

5.875% Rate on a 30 year fixed term, about 0.0% Lender Credit, 0 Discount Points and 0 Origination Points!

VA HOME REFINANCE, CASH OUT

Pull out cash from the equity you have in your home.

Refinance to Tap Equity for Cash
Get Cash from your Equity
Pay Off Debt
$0 Discount Points
$0 Origination Fees
90% Loan to Value is best for Rates

5.90% APR*

5.875% Rate on a 30 year fixed term, about 0% in Lender Credits, 0 Discount Points and 0 Origination Points!

How It Works?

Get pre approved today.

Give us a Call

Call us to discuss your specific scenario.
1 (719) 362-0432
7AM-11PM MT 7-Days a week

Step 1

Fill out an Application

Use our online portal to fill out an application. Takes 20-30 min.

Apply Online

Step 2

Upload Documents

We will request a few documents needed to prove Income, Work History, Assets, Etc.. Use our portal to upload needed documents.

Online Portal

Step 3

Your Pre-Approved

Congratulations you are now Pre-Approved! Use your Pre-Approval to buy the home of your dreams.

Step 4

Rate Details

Purchase Loan, Rate Assumptions

VA home loan, $0 down payment, a 30-yr fixed rate mortgage, $0 loan origination fee, FICO score of over 680, loan amount of $400,000. Veteran is Disabled with a $0 funding fee from VA. Being Disabled though the VA is not a requirement for a VA loan, it is a requirement for $0 funding fee to the VA.
This is not a commitment to lend nor a loan approval.
We don’t like quoting rates with discount points but most of our competition does. Rates on this page are quoted with 0 Loan Origination points and 0 Discount Points unless otherwise noted next to the rate.

Refinance IRRRL, Rate and Term Refinance, Rate Assumptions

VA home loan, IRRL with up to 100% financing, a 30-yr fixed rate mortgage, $0 loan origination fee, FICO score of over 680, loan amount of $400,000. Veteran is Disabled with a $0 funding fee from VA. Being Disabled though the VA is not a requirement for a VA loan, it is a requirement for $0 funding fee to the VA.
VA IRRRL requires that the current loan is more than 211 days old.
This is not a commitment to lend nor a loan approval.
We don’t like quoting rates with discount points but most of our competition does. Rates on this page are quoted with 0 Loan Origination points and 0 Discount Points unless otherwise noted next to the rate.

Refinance Cash Out, Rate Assumptions

VA home loan, $0 down payment, a 30-yr fixed rate mortgage, $0 loan origination fee, FICO score of over 680, loan amount of $400,000. Veteran is Disabled with a $0 funding fee from VA. Being Disabled though the VA is not a requirement for a VA loan, it is a requirement for $0 funding fee to the VA.
Refinance Cash out is up to 90% LTV, 100% LTV is possible in most situations but going above 90% increases the rate substantially.
This is not a commitment to lend nor a loan approval.
We don’t like quoting rates with discount points but most of our competition does. Rates on this page are quoted with 0 Loan Origination points and 0 Discount Points unless otherwise noted next to the rate.