Veterans United Home Loan Rates in Virginia Today
As of August 30, 2026, the average 30-year fixed VA loan rate in Virginia is approximately 6.085%, with a 6.307% APR on a 30-year fixed loan with 0 points . Current 30-year fixed VA purchase rates are available starting at 5.500% from some lenders, with APR of 5.955% and 1.938 points for a 30-year fixed loan . For refinancing, 30-year Streamline (IRRRL) rates are around 5.750% to 5.990% depending on loan type . VA loan rates change daily based on market conditions, so checking current rates the day you are ready to lock is essential .
Quick Facts
| Item | Details |
|---|---|
| Lender | Veterans United Home Loans |
| Min. Credit Score | 620 for VA loans |
| Min. Down Payment | 0% (VA benefit) |
| Avg. Closing Time | 34 days (faster than national average of 42 days) |
| Official Agency | U.S. Department of Veterans Affairs (backing), Veterans United Home Loans (lender) |
| Required Form | Certificate of Eligibility (COE), DD-214, Statement of Service, or NGB Forms |
| Updated For | August 2026 |
What Is a VA Home Loan?
A VA home loan is a mortgage backed by the U.S. Department of Veterans Affairs, designed to help veterans, active-duty service members, and qualifying surviving spouses buy, build, repair, or refinance a home. The VA does not directly lend money; instead, it guarantees a portion of the loan, enabling private lenders like Veterans United to offer favorable terms .
Who qualifies:
Veterans with an honorable discharge
Active-duty service members
National Guard and Reserve members (after six years of service or 90 days of federal active duty)
Surviving spouses of service members who died in the line of duty or from a service-connected disability
Why it matters: The VA loan program eliminates two of the biggest costs in conventional financing: the down payment and private mortgage insurance (PMI). This makes homeownership more accessible and affordable for military families .
What you should do next: Contact a VA-approved lender to verify your eligibility and obtain your Certificate of Eligibility (COE). Veterans United can typically pull your COE with just your Social Security number and date of birth .
Current Veterans United VA Loan Rates
Loan rates are updated daily based on market conditions. The rates below are from Veterans United and accurate as of the dates shown.
Purchase Loan Rates (April 1, 2026)
| Loan Type | Interest Rate | APR | Points |
|---|---|---|---|
| 30-Year Fixed VA Purchase | 5.500% | 5.955% | 1.938 |
| 15-Year Fixed VA Purchase | 5.375% | 6.126% | 1.813 |
| 20-Year Fixed VA Purchase | 5.500% | 6.112% | 1.938 |
| 30-Year Fixed VA Jumbo Purchase | 5.625% | 5.978% | 0.750 |
Refinance Loan Rates (August 22, 2026)
| Loan Type | Interest Rate | APR | Points |
|---|---|---|---|
| 30-Year VA Cash-Out Refinance | 6.375% | 6.709% | 0.375 |
| 30-Year VA Cash-Out Jumbo Refinance | 6.500% | 6.825% | 0.250 |
| 30-Year Streamline (IRRRL) Refinance | 5.990% | 6.314% | 2.000 |
Virginia-Specific Rates (August 30, 2026)
| Loan Type | Interest Rate | APR | Points |
|---|---|---|---|
| 30-Year VA Purchase (0% down) | 6.085% | 6.307% | |
| 15-Year VA Purchase | 6.085% | — |
Virginia’s 30-year fixed rate sits approximately 0.070% below the national average of 6.534%, offering Virginia veterans a slight competitive advantage .
How Virginia VA Loan Rates Compare to National Averages
| Metric | Virginia | National |
|---|---|---|
| 30-Year Fixed VA Rate | 6.085% | 6.534% |
| 30-Year Fixed VA Rate (Veterans United) | 5.500% | 5.500% |
| Average Closing Time (Veterans United) | 34 days | 42 days (national avg) |
Understanding VA Loan Types Offered by Veterans United
Veterans May Qualify for Extra Benefits
Check available financial assistance, healthcare programs and other opportunities that may apply to you.
Check EligibilityVeterans United offers a comprehensive range of VA-backed mortgage products, designed to meet different needs .
VA Purchase Loans
Best for: First-time homebuyers and veterans moving to a new home
Key features: 0% down payment, no PMI, competitive rates, available for primary residences including single-family homes, townhomes, VA-approved condos, and multi-family units up to 4 units
VA Cash-Out Refinance
Best for: Veterans looking to access their home equity to pay off debt, fund home improvements, or cover major expenses
Key features: Borrow up to 100% of the home’s value, replaced with a new VA loan
VA Streamline Refinance (IRRRL)
Best for: Veterans with an existing VA loan who want to lower their interest rate or switch from an adjustable to a fixed rate
Key features: Less paperwork, no VA appraisal required in most cases, closing costs can be rolled into the loan balance, and requires a “net tangible benefit” such as lower monthly payments
IRRRL usage surged 135% year-over-year in 2025, reaching 119,459 loans in FY2025, as veterans took advantage of Federal Reserve rate cuts .
VA Jumbo Loans
Best for: Veterans purchasing homes that exceed county conforming loan limits ($806,501 for a 1-unit property in Virginia)
Key features: Higher loan amounts with competitive VA rates
Eligibility Requirements for Veterans United VA Loans
Service Requirements
| Service Type | Minimum Service Requirement |
|---|---|
| Veterans | 90 consecutive days of active duty during wartime, or 181 days during peacetime |
| Active Duty | Current active duty status |
| National Guard | 6 years of service, or 90 days of federal active duty |
| Reserves | 6 years of service, or 90 days of federal active duty |
Lender Requirements
Minimum Credit Score: 620 (higher scores can secure better rates)
Debt-to-Income Ratio: Typically up to 41% (flexible residual income calculations may allow higher ratios)
Property Type: Primary residence only
Certificate of Eligibility: Required; Veterans United can obtain this for you
Discharge Types That May Still Qualify
Discharged for hardship, government convenience, or reduction in force
Discharged for a medical condition or service-connected disability
Discharged for early-out with at least 21 months of a 2-year enlistment
Required Documents
| Document Type | Details |
|---|---|
| DD-214 | For veterans and discharged service members |
| Statement of Service | For active-duty personnel |
| NGB Forms 22 & 23 | For National Guard and Reserve members (never activated) |
| Pay Stubs | Last 30 days |
| W-2 Statements | Past two years |
| Tax Returns | Past two years (if self-employed) |
| VA Disability Award Letter | If applicable |
| Certificate of Eligibility | Can be obtained through Veterans United |
How to Apply for a VA Loan with Veterans United
Step 1: Prequalify
Start online or by calling 800-884-5560. A loan officer will ask about your military service, finances, and the home you want to buy. Prequalification typically takes just a few minutes .
Step 2: Get Preapproved
Qualified borrowers can receive preapproval within 24 hours . This gives you a clear picture of your budget and makes you a more competitive buyer.
Step 3: Obtain Your Certificate of Eligibility
Veterans United can pull your COE with your Social Security number and date of birth in most cases. For some service types, additional paperwork like DD-214 or NGB forms may be required .
Step 4: Find a Home and Lock Your Rate
Work with a real estate agent (Veterans United Realty can match you with agents who specialize in veteran buyers) . Once you have an accepted offer, lock in your interest rate to protect against market fluctuations.
Step 5: Close Your Loan
Veterans United’s average time to close is 34 days, faster than the national average of 42 days . Use the MyVeteransUnited mobile app to upload documents and track progress.
Why Veterans United Is the Largest VA Lender
Veterans United Home Loans has originated more VA loans than any other lender for nine consecutive years . The lender is based in Columbia, Missouri, and operates 24 branch locations, many near military bases .
Key Strengths
Specialization: More than 9 out of 10 loans originated by Veterans United are VA loans
Customer Support: 24/7 phone support for service members stationed overseas
Free Credit Counseling: Available to any veteran, even before starting an application
High Satisfaction: Above-average J.D. Power score of 778 (average 760) , 4.8 out of 5 average satisfaction rating, and 98.2% would recommend
Virginia Customer Experiences
A veteran in Fredericksburg praised the “professional, extremely helpful, and responsive” team
Another from Richmond noted the team was “professional, trustworthy, and went above and beyond”
A Virginia Beach veteran closed on their home in March 2026, describing the service as “simple, easy, and seamless”
Common Questions
1. What is today’s VA loan rate from Veterans United in Virginia?
As of August 30, 2026, Virginia VA loan rates average 6.085% for a 30-year fixed loan . Veterans United’s current 30-year fixed purchase rate is 5.500% (as of April 1, 2026) . Rates change daily, so check the same day you plan to lock.
2. Does Veterans United require a down payment?
No. VA loans from Veterans United require 0% down payment for qualified veterans and service members . This is one of the primary advantages of the VA loan program.
3. What credit score do I need for a Veterans United VA loan?
A minimum credit score of 620 is required for a VA loan with Veterans United . A higher score will help you secure the best available rates and terms.
4. Can I use a VA loan to buy a home in Virginia with no money down?
Yes. VA loans allow 100% financing with no down payment for qualified veterans and service members . You can finance the VA funding fee into the loan unless you qualify for an exemption.
5. What is a VA IRRRL (Streamline Refinance)?
A VA IRRRL (Interest Rate Reduction Refinance Loan) allows veterans with an existing VA loan to refinance to a lower rate or more stable terms with minimal paperwork. Many veterans refinanced in 2025 after Federal Reserve rate cuts .
6. Can National Guard members get a VA loan in Virginia?
Yes. National Guard members qualify after six years of service or 90 days of federal active duty . Documentation required includes NGB Forms 22 and 23.
7. How long does it take to close a loan with Veterans United?
The average closing time is 34 days, faster than the national average of 42 days . Using the MyVeteransUnited mobile app can help speed up document processing.
8. Are VA loan rates in Virginia competitive?
Yes. Virginia’s 30-year fixed rate is approximately 0.070% below the national average . Virginia veterans have a slight competitive advantage compared to other states.
9. What documents do I need to apply for a VA loan?
You will need a DD-214 (veterans), Statement of Service (active duty), or NGB Forms 22 and 23 (National Guard/Reserves), plus pay stubs, W-2s, and two years of tax returns if self-employed .
10. Does Veterans United offer other loan types besides VA?
Yes. Veterans United also offers Conventional, FHA, USDA, and Jumbo loans, in addition to VA loans . However, VA loans are their specialty.
11. Can surviving spouses get a VA loan through Veterans United?
Yes. Surviving spouses may be eligible if their spouse died in the line of duty or from a service-connected disability. They must obtain a COE using VA Form 26-1817 and provide a marriage license, death certificate, and the veteran’s DD-214 .
12. Does the VA appraisal protect the buyer?
Yes. A VA appraisal is required and the appraiser inspects the property to confirm it meets VA Minimum Property Requirements. This helps ensure the home is safe, sanitary, and structurally sound .
Key Takeaways
Veterans United is the #1 VA lender nationwide, originating more VA loans than any other lender for nine consecutive years .
VA loans require 0% down payment and no PMI, saving veterans thousands compared to conventional financing .
Today’s Virginia VA loan rates average 6.085% for a 30-year fixed loan .
Veterans United’s 30-year fixed VA purchase rate is 5.500% (as of April 1, 2026) .
The VA Streamline (IRRRL) refinance allows veterans to lower their rate with minimal paperwork and no appraisal in most cases .
Veterans United has a 34-day average closing time, beating the national average by 8 days .
The lender offers 24/7 phone support and free credit counseling for all veterans .
National Guard and Reserve members qualify after six years of service or 90 days of federal active duty .
Virginia veterans benefit from rates slightly below the national average .
Customer satisfaction scores are high: 4.8/5 rating, 98.2% would recommend .
Official Resources
Veterans United Home Loans: veteransunited.com
VA Loan Eligibility: va.gov/housing-assistance/home-loans/eligibility
VA Certificate of Eligibility: va.gov/housing-assistance/home-loans/eligibility
MyVeteransUnited (Online Portal): veteransunited.com/login
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📌 Information provided as of June 2026. Always verify current eligibility and rules with official .gov sources.
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