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Use our simple and easy-to-use online application to apply in less than 2 minutes.
There has never been a better time to take advantage of historically-low interest rates. Our approved VA lenders along with the Dept. of Veteran's Affairs, have a wide range of refinance options for veterans. Whether you are trying to lower your current monthly mortgage payment, pay off other bills or credit cards, or do home improvements, the VA refinance loan is a perfect choice for you.
LowVARates has made the loan application process quick and easy. We are so confident in our approved VA lenders that we will pay you $250 if you can get a lower APR somewhere else.*
Purchasing a home has never been so attractive. Home prices are much lower now than they have been in a long time, making home ownership more attractive for many veterans. If you would like to learn how you can buy your own home with NO MONEY DOWN, then you are at the right place. VA loans do NOT require additional monthly mortgage insurance (PMI) and have lower interest rates than other non-VA loans.
PurchasingPurchasing a home with a VA loan is the only way left for military home buyers to get 100% financing. 100% financing means you will not have to put any money down when purchasing your VA home. In addition to no money down loans for veterans, you will not have to pay mortgage insurance and you will get access to lower interest rates than you would on a non VA loan. For a long time veterans were told that they could not buy a large or nice house because VA loans had a limit on how much could be borrowed; this is no longer true and the Department of Veterans Affairs has raised VA loan limits nationwide. |
RefinancingRefinancing a VA loan also has many advantages. Veterans are able to access all of the equity in their home. Just like the VA purchase loan allows for 100% financing, the VA refinance loan allows a refinance up to 100% LTV with one loan and no need for a second mortgage or home equity line. Veterans wanting to refinance have a lot of options with the VA home loan. If you are a veteran and currently have a VA loan, then a VA streamline or IRRL refinance is your best opportunity to lower your interest rate and pay your home off faster. If you do not have a VA loan currently but want to refinance into one, you need to look into the VA cash out loan for veterans. |
Interest RatesInterest Rates on VA loans have never been lower and now is the time to take advantage. As a veteran or active military you are entitled to the VA home loan program just like you have certain education of GI bill benefits. VA loans have historically had lower interest rates than other non VA loans. To find out how your interest rates on a VA loan are determined please visit our VA interest rate page. |
Qualifying for a VA loanQualifying for a VA loan is quick and easy at LowVARates. Unlike conventional loans, the approval process for a VA loan is less strict and easier to be approved for. Veterans and active military will need to have a decent FICO or credit score, stable employment, and sufficient income to be approved. |
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