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Top Mortgage Lender

Trustpilot 4.8/5 based on 2,500+ reviews

VA Loans

Unlock homeownership with a VA Loan.

A VA home loan offers veterans and active-duty military low rates, no down payment, and flexible terms.

Apply today
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VA Loan Benefits

Your path to affordable homeownership starts here.

VA loans offer unique benefits that make homeownership easier and more affordable for veterans and active-duty military. Here’s what sets VA home loans apart.

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No down payment needed
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Get competitive, lower interest rates
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No PMI means lower monthly costs
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Flexible credit requirements
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Reuse your VA loan benefit for future homes
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XX,XXX+ Trusted by veterans nationwide for VA loan financing

My husband and I were extremely happy working with Patrick Martin and thanks to Lending Tree we were connected to Patrick. He made everything easy. He's highly knowledgeable and obviously cares about his customers. We highly recommend Lending Tree and Lower.com Because of them we are finally debt free!!

Tina
LendingTree

What really made me decide to give my business to Lower.com was the amazing job Andi did while working with me from the first call up until closing day.

Cristhtian P.
Google Review

My score wasn't the best but Adam was pretty confident he could work something out and this was after being told no by other lenders. I didn't get my hopes up but to my surprise I was approved!

J.
Google Review

I was very happy with Lower and the entire refinancing experience. You can tell Lower really cares about the customer and wants to make the experience as good as possible for the customer."

Marchelle B.
Google Review

The process was so easy. It was also easy to upload all the required documents to the portal. Jake was available and answered all my questions promptly. I was approved in just a few days.

Jo
Zillow

This was our 8th mortgage closing and it was by far the easiest!! We had never done a virtual closing and it was smooth as silk from the comfort of our couch at the time of our choosing! The whole process was very easy to follow and understand.

Stephanie W.
Zillow
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A video review from Paul M. who was very happy with his refinance experience
Paul M.
Lower.com Refinance

Simple, fast pre-approval for veterans.

Getting pre-approved for a VA home loan is quick and easy. Speak with a loan advisor at Lower, where we start with a soft credit check and only do a hard pull when you're ready.

Buy the house now. Lower your rate later.

With Lower’s Free Refi for Life*, you can purchase your home now and refinance with no lending fees whenever rates drop.

We’re here for veterans— your schedule, your way.

At Lower, we’re ready to support you whenever you need, even on weekends. Text, call, or email your dedicated loan advisor—no waiting for bank hours.

Frequently Asked Questions

You’ve got home equity questions.
We’ve got answers.

How do I get pre-approved for a VA home loan?

Getting pre-approved for a VA loan is straightforward. You'll need to verify your VA eligibility, usually with a Certificate of Eligibility (COE), then provide income, asset, and credit information. Pre-approval helps you understand your budget and strengthens your offer when buying a home.

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Ease

We offer an intuitive online experience and personal expert help.

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Affordability

We offer you the most affordable solution - now and in the long run. 

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We keep everything as clear as possible and in plain English.

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Trusted by our borrowers, real estate agents, investors and partners.

What are current VA mortgage rates, and how do they compare to conventional loans?

VA mortgage rates tend to be lower than conventional loan rates, making them a great choice for veterans and active-duty military. Rates vary based on market conditions, credit score, and loan terms, like a 15- or 30-year VA mortgage. To get today’s VA loan rates tailored to your profile, reach out for a personalized quote.

Ready to get started?
Button text
Thumbs Up Icon

Ease

We offer an intuitive online experience and personal expert help.

Savings Icon

Affordability

We offer you the most affordable solution - now and in the long run. 

Star Icon

Transparency

We keep everything as clear as possible and in plain English.

Security Icon

Trust

Trusted by our borrowers, real estate agents, investors and partners.

Are VA loans assumable, and what does that mean?

Yes, VA loans are assumable, meaning a qualified buyer can take over your mortgage, potentially at your original rate and terms. This feature can be beneficial in a high-interest-rate environment, making your home more attractive to potential buyers.

Ready to get started?
Button text
Thumbs Up Icon

Ease

We offer an intuitive online experience and personal expert help.

Savings Icon

Affordability

We offer you the most affordable solution - now and in the long run. 

Star Icon

Transparency

We keep everything as clear as possible and in plain English.

Security Icon

Trust

Trusted by our borrowers, real estate agents, investors and partners.

Continue Learning

Everything you need to buy with confidence.

Our homebuying resources offer expert tips, guides, and tools to help you navigate every step, from budgeting to closing on your dream home.

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