VA Mortgage Program
Limited-time offer
25 BPS improvement on VA purchase loans
VA loan program for veterans and eligible military personnel featuring manual underwriting, no DTI caps on AUS approvals, and options for borrowers without traditional credit scores.
Underwriting at a glance
- Minimum FICO
- 580+
- Max LTV (purchase / rate-term)
- 100%
- Max LTV (cash-out)
- -
- Loan amount
- ? - $2,000,000
- Documentation
- full-doc, no-score
- States
- most states
Highlights
- •Manual underwriting available for government loans
- •No DTI cap on AUS approvals
- •No credit score options using non-traditional mortgage credit reports
- •Expertise in VA joint loan entitlement calculations
- •25 bps pricing improvement on purchase transactions in May 2026
- •25 BPS price improvement applied as a credit at time of lock
- •25 BPS price improvement on VA purchase loans
- •25 BPS price improvement for VA purchase loans
- •25 BPS price improvement on purchase transactions
- •Credit applied at time of lock
Want to see if you qualify?
Tell us about your scenario - we'll come back with current pricing and exact guidelines.
Program guidelines and rates can change at any time without notice. Last confirmed 5/28/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
5.875%
5.906% APR
FHA
5.375%
5.405% APR
VA
5.375%
5.402% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.