VA Mortgage Program

Limited-time offer

25 BPS Improvement on VA Purchase Loans

VA purchase loan program featuring a temporary pricing improvement of 25 basis points for locks initiated through May 31st, 2026.

Underwriting at a glance

Minimum FICO
-
Max LTV (purchase / rate-term)
-
Max LTV (cash-out)
-
Loan amount
-
Documentation
-
States
most states

Highlights

  • 25 BPS pricing improvement for VA purchase loans
  • Valid for locks through May 31st, 2026
  • Limited time offer valid until May 31st, 2026
  • 25 BPS improvement on VA purchase loans
  • Limited-time offer expires May 31, 2026
  • 25 BPS price improvement applied as a credit at time of lock
  • 25 BPS price improvement on VA purchase loans
  • Credit applied at time of lock
  • 25 BPS pricing improvement applied as a credit at time of lock
  • Price improvement applied as a credit at time of lock
  • 25 basis point pricing improvement on purchase transactions

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 5/29/2026. Not a commitment to lend.

Today's mortgage rates

Conventional

6.250%

6.288% APR

FHA

5.750%

5.780% APR

VA

5.750%

5.780% APR

Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.

Have a term sheet or loan estimate?

Upload a competing offer. We'll show you what we can save you.

Backed by a $2,000 Best Price Guarantee. Terms

Not ready to apply?

No pressure. Reach out with your scenario and we'll get back to you with a same-day response.

Jennifer Kirby

Rate Direct is run by Jennifer Kirby. Every loan is originated personally through Loan Factory Inc. Every email, text, and call comes from us directly, and we never sell your information.

NMLS# 2672337 Loan Factory Inc., NMLS# 320841

jennifer@ratedirect.netjennifer.kirby@loanfactory.com

Backed by Loan Factory's $2,000 Best Price Guarantee

Find a lower rate elsewhere? We'll beat it or pay you $2,000. Send your competing Loan Estimate and we'll return a side-by-side comparison the same day.