30-Year VA Loan Rates
VA mortgage rates change every business day with the bond market — and run lower than most loans because of the VA guaranty. Here is what drives 30-year va loan rates.
What to know
The 30-year fixed is the most common VA term — the lowest payment, no mortgage insurance, and full $0-down eligibility. It carries more total interest than a 15-year but maximizes monthly affordability.
What affects your VA rate
- Your credit score and loan term
- Whether you buy discount points
- Purchase vs IRRRL vs cash-out
- The bond market and Fed policy
- Lender margins — so compare quotes
Example payment by rate
| Rate | P&I on a $300,000 loan (30-yr) |
|---|---|
| 5.25% | $1,657 |
| 5.50% | $1,703 |
| 5.75% | $1,751 |
| 6.00% | $1,799 |
| 6.25% | $1,847 |
| 6.50% | $1,896 |
| 6.75% | $1,946 |
Rates move daily. Join the free VA Rate Guide alerts so you can lock — or IRRRL — at the right time.
Your Free VA Rate Watch
Join the free VA Rate Guide alert list — we watch rates, the funding fee, and new VA programs so you do not have to.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- 30-Year VA Loan Rates — the quick answer?
- The 30-year fixed is the most common VA term — the lowest payment, no mortgage insurance, and full $0-down eligibility. It carries more total interest than a 15-year but maximizes monthly affordability.
- Are VA rates lower than conventional?
- Usually yes — the VA guaranty lowers lender risk, and there is no monthly mortgage insurance, so the all-in cost is typically lower.