This form is presented by Mortgage Research Center, LLC d/b/a Veterans United Home Loans; Mortgage Research Center, LLC - NMLS #1907 (www.nmlsconsumeraccess.org). Not affiliated with the Dept. of Veterans Affairs or any government agency. Not available in NY. 1400 Forum Blvd., Columbia, MO 65203. Equal Housing Lender
Find the right VA Lender for your homebuying journey. Compare your options using data from the Department of Veterans Affairs, Better Business Bureau and customer reviews.
Veterans United Home Loans is the nation's #1 VA Lender and has received over 250,000 five-star reviews from Veterans and military families. Veterans United specializes in VA loans; it's their passion and priority. With deep military expertise, award-winning service, and tools built just for Veterans, they make the homebuying journey clearer, faster, and more personal from start to finish.
UWM supercharges the loan process by working through local brokers, blending the efficiency of a national lender with hometown expertise. Their speed and competitive pricing make them a strong pick for buyers who value both service and scale.
Navy Federal is a top VA Lender that helps service members take advantage of the benefits they've earned. Navy Federal has grown to over 12 million members since its founding in 1933. As a member-only credit union for military families, Navy Federal delivers competitive VA loan offerings with personalized service, no PMI, and zero-down options.
A preferred lender for D.R. Horton homes, DHI Mortgage shines for buyers building new construction. Their tight integration with builders offers a smoother, faster homebuying experience, especially useful in VA-eligible communities. DHI has personal credit consultants who create credit-improving strategies and can provide budgeting assistance to maintain creditworthiness.
Rocket Mortgage's goal is to make home financing simpler through innovative technology and amazing team members. Rocket provides a custom homebuying experience and allows clients to set their own time and place for closing. Rocket simplifies buying with its slick digital platform, 24/7 tools, and responsive support.
Known for its personal touch and national reach, CrossCountry Mortgage helps VA buyers navigate the home loan process with flexibility and care. Their strength lies in tailoring options that work for each borrower's unique goals. CrossCountry provides a transparent mortgage experience and is one of the fastest-growing retail mortgage lenders.
A trusted name in military financial services, USAA has 100+ years of experience serving military members and has closed over 1 million home loans and blends strong VA loan offerings with member-focused support. USAA has a wide array of financing options available to borrowers. Membership is not required for loan inquiry.
Fairway Independent Mortgage opened its doors in 1996 and has over 750 branch and satellite locations nationwide. Fairway is dedicated to customer service and has helped thousands of Americans achieve homeownership. Their combination of local loan officers and national resources makes them a great match for buyers seeking hands-on guidance.
Freedom Mortgage is a top mortgage lender that has helped millions of Americans achieve homeownership and financial betterment. With decades of experience in government-backed loans, Freedom Mortgage offers consistency and confidence. Their size, scale, and VA know-how help streamline closings, even in competitive markets.
Partnered with one of the nation’s largest homebuilders, Lennar Mortgage is ideal for new construction VA buyers. Their built-in financing options, digital tools, and construction-aligned timelines make buying new feel less overwhelming.
UWM supercharges the loan process by working through local brokers, blending the efficiency of a national lender with hometown expertise. Their speed and competitive pricing make them a strong pick for buyers who value both service and scale.
Freedom Mortgage is a top mortgage lender that has helped millions of Americans achieve homeownership and financial betterment. With decades of experience in government-backed loans, Freedom Mortgage offers consistency and confidence. Their size, scale, and VA know-how help streamline closings, even in competitive markets.
Village Capital & Investments LLC is experienced and efficient when it comes to VA Loans. It serves homebuyers and homeowners by helping them get good terms with specialized mortgage products. Village Capital brings a boutique feel to the VA refinance space. Its smaller scale allows for flexible underwriting and quicker decisions, especially appealing to borrowers seeking more one-on-one service.
Veterans United Home Loans is the nation's #1 VA Lender and has received over 250,000 five-star reviews from Veterans and military families. Veterans United specializes in VA loans; it's their passion and priority. With deep military expertise, award-winning service, and tools built just for Veterans, they make the homebuying journey clearer, faster, and more personal from start to finish.
Pennymac is guided by three core values: be Accountable, Reliable, and Ethical. Pennymac puts its customers first and helps Americans achieve and sustain their homeownership dreams. Pennymac's refinance platform is fast, friendly, and built to scale. Borrowers who want to access cash without delays will appreciate their no-nonsense digital process.
Rocket Mortgage's goal is to make home financing simpler through innovative technology and amazing team members. Rocket provides a custom homebuying experience and allows clients to set their own time and place for closing. Rocket simplifies buying with its slick digital platform, 24/7 tools, and responsive support.
Known for flexible solutions and personalized service, Planet Home Lending helps Veterans streamline their loans without unnecessary red tape.
Lakeview brings solid servicing experience to the IRRRL space. Their focus on customer support ensures borrowers feel taken care of even after the loan closes. Lakeview has an in-house team of mortgage loan experts who assist customers with new home financing.
NewRez delivers fast, efficient IRRRLs with clear communication and smooth digital tools. They’re a good fit for borrowers seeking rate relief without the stress.
A strong regional lender, Mortgage Solutions Financial, combines local knowledge with VA specialization. They’re a good option for borrowers looking for a hands-on experience with a smaller lender.
Rocket Mortgage's goal is to make home financing simpler through innovative technology and amazing team members. Rocket provides a custom homebuying experience and allows clients to set their own time and place for closing. Rocket simplifies buying with its slick digital platform, 24/7 tools, and responsive support.
UWM supercharges the loan process by working through local brokers, blending the efficiency of a national lender with hometown expertise. Their speed and competitive pricing make them a strong pick for buyers who value both service and scale.
Freedom Mortgage is a top mortgage lender that has helped millions of Americans achieve homeownership and financial betterment. With decades of experience in government-backed loans, Freedom Mortgage offers consistency and confidence. Their size, scale, and VA know-how help streamline closings, even in competitive markets.
New Day focuses almost exclusively on Veterans and their families, offering tailored solutions for those needing to access home equity. Their educational approach and VA-specific refinances make them worth a look. They offer 5-star support and have a dedicated homebuying team that's available anytime.
Village Capital & Investments LLC is experienced and efficient when it comes to VA Loans. It serves homebuyers and homeowners by helping them get good terms with specialized mortgage products. Village Capital brings a boutique feel to the VA refinance space. Its smaller scale allows for flexible underwriting and quicker decisions, especially appealing to borrowers seeking more one-on-one service.
loanDepot mixes digital speed with human help, making it a solid choice for Veterans cashing out equity. Their easy online tools and full loan options support borrowers with varied financial needs.
Federal Savings Bank is Veteran-founded, veteran-owned, and veteran-operated. It has nationwide lending power and specializes in end-to-end custom home lending solutions for homebuyers. This military-friendly lender offers personalized cash-out refinance options and makes a point to serve Veterans with attentive, expert care.
Veterans United Home Loans is the nation's #1 VA Lender and has received over 250,000 five-star reviews from Veterans and military families. Veterans United specializes in VA loans; it's their passion and priority. With deep military expertise, award-winning service, and tools built just for Veterans, they make the homebuying journey clearer, faster, and more personal from start to finish.
Pennymac is guided by three core values: be Accountable, Reliable, and Ethical. Pennymac puts its customers first and helps Americans achieve and sustain their homeownership dreams. Pennymac's refinance platform is fast, friendly, and built to scale. Borrowers who want to access cash without delays will appreciate their no-nonsense digital process.
Carrington shines in helping lower-credit borrowers refinance and access home equity through VA loans. Their flexible approach opens the door for Veterans who may not qualify elsewhere.
A VA loan is a benefit that is available to active military members, Veterans, and surviving spouses who meet the minimum service requirements set forth by the U.S. Department of Veterans Affairs (VA). These mortgage loans, which are only available for primary residences, are backed by the VA and issued by private lenders. The VA provides protection to lenders by guaranteeing it will repay all or part of the loan if the borrower defaults. In exchange, lenders are able to offer competitive interest rates and allow borrowers to purchase a home with no down payment.
While the VA sets minimum service requirements, borrowers also need to meet the lender’s requirements. This may include a minimum credit score, maximum debt-to-income (DTI) ratio, and the ability to demonstrate a reliable monthly income. These requirements often vary from one lender to the next, making it important to compare options.
There are no minimum or maximum income requirements for VA loan eligibility. However, the VA requires borrowers to have a specified amount of income left over each month after paying for all major expenses. This helps ensure that borrowers will have sufficient income to cover basic costs such as medical care, transportation, and food and have some funds left over to cover emergencies.
There are three primary types of VA loans available to purchase or refinance a primary residence. A purchase loan can be used to buy an existing home, construct a new home, or make energy-efficient upgrades to an existing home that is the borrower's primary residence.
Current VA borrowers may be able to refinance with a VA-backed interest rate reduction refinance loan (IRRRL). This is used to lower interest rates and/or monthly payments, to switch from a variable to a fixed-rate loan, or both. A borrower with equity in their home might also consider a VA cash-out refinance loan, which allows the borrower to access a lump sum of cash that can be used for a variety of purposes including home improvements, education expenses, debt pay-off, or other purchases.
Since each lender can set its own guidelines, it’s often a good idea to shop around for a lender that meets your specific financial needs. When comparing lenders, start by checking their minimum requirements regarding down payment, credit score, and DTI ratio as well as the interest rates they offer. Take careful notes, as it might be possible to use one lender’s rates to negotiate a better rate with other lenders.
It's also important to make sure the lender has experience processing VA loans and has a reputation for providing quality service and ensuring customer satisfaction.
Your VA interest rate can impact your monthly payments, which in turn may determine the type of home you can afford. The higher your interest rate, the more you’ll pay over the life of your loan, so it’s important to do what you can to get the best possible rate. The best way to get the lowest interest rate is to ensure your finances are in check. The higher your credit score is, and the lower your DTI ratio is, the better chance you have at securing the best possible VA interest rate.
* The top ten consumer-facing lenders are displayed according to loan volume as reported by the Department of Veterans Affairs (FY 2024 Lender Loan Volume).
Customer Ratings: Customer Ratings based on ratings and reviews provided by Trustpilot. VALoans.com is not affiliated with Trustpilot and has no control or influence on how users rate each lender; Trustpilot reviews may reflect customer experiences related to non-mortgage products.
1 IRRRL: A VA Interest Rate Reduction Refinance Loan (IRRRL) can be used to refinance an existing VA loan to lower the interest rate.
2 Better Business Bureau: BBB Rating, accreditation, review, and complaint data are provided by the Better Business Bureau. VALoans.com is not affiliated with the Better Business Bureau and has no control or influence over the information provided.
3 2024 VA Loans: Total VA loan volume for fiscal year 2024 as reported by the Department of Veterans Affairs (FY 2024 Lender Loan Volume).
4 #1 VA Lender: Veterans United Home Loans provided more VA Home Loans by volume than any other lender as of June 2024. Top VA Purchase Lender in FY 2016, 2017, 2018, 2019, 2020 and 2021. Source: Department of Veterans Affairs Lender Statistics.
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Veterans United Home Loans is a VA approved lender; Mortgage Research Center, LLC – NMLS #1907 (www.nmlsconsumeraccess.org). Not affiliated with the Dept. of Veterans Affairs or any government agency. Not available in NV or NY. 1400 Forum Blvd., Columbia, MO 65203. Equal Housing Lender
