what is the current va mortgage rate
The most recent data shows that typical 30‑year VA mortgage rates are hovering around the mid‑5% to low‑6% range as of late March 2026, with 15‑year VA rates slightly lower.
Quick Scoop: Today’s VA Mortgage Rate Picture
VA mortgage rates aren’t a single national number; different lenders post slightly different rates each day, but they’re all in a fairly tight band. Here’s what recent snapshots look like from several major sources.
Recent sample VA rates (late March 2026)
| Lender / Source | Product | Posted rate | APR (if listed) | As of |
|---|---|---|---|---|
| Veterans United | [1]30‑yr fixed VA purchase | 5.625% | 6.084% APR | Mar 25, 2026 |
| Veterans United | [1]15‑yr fixed VA purchase | 5.500% | 6.254% APR | Mar 25, 2026 |
| Navy Federal CU | [7]30‑yr VA (as low as) | 5.625% | 6.070% APR | Mar 25, 2026 |
| Navy Federal CU | [7]15‑yr VA (as low as) | 5.250% | 5.900% APR | Mar 25, 2026 |
| Rocket Mortgage | [5]30‑yr VA | 6.125% | 6.536% APR | Recent posting (2026) |
| Rocket Mortgage | [5]15‑yr VA | 5.875% | 6.552% APR | Recent posting (2026) |
| Bankrate (national avg) | [3]30‑yr VA (average) | 6.32% | — | Mar 25, 2026 |
| Bankrate (national avg) | [3]30‑yr VA refinance (average) | 6.45% | — | Mar 25, 2026 |
| Mortgage News Daily | [9]MND 30‑yr VA index | 6.00% | — | Mar 25, 2026 |
Why the numbers don’t match exactly
Different sites show slightly different “current” rates because they measure different things.
- Some quote their own lender rate sheets (like Rocket Mortgage, Veterans United, Navy Federal).
- Others show a national average compiled from many lenders (like Bankrate or Mortgage News Daily).
- Points, credit score assumptions, loan amounts, and whether it’s a purchase or refinance all move the number you see.
An easy mental model: think of the “current VA rate” as a band rather than a single magic number, with each lender posting their slice of that band on any given day.
Mini “how it feels in real life” example
Imagine you qualify for a 30‑year VA loan today and one lender offers 5.625% while another advertises 6.125%. On a roughly $350,000–$400,000 loan, that half‑point difference can mean tens of thousands of dollars over 30 years, which is why shopping 2–3 VA lenders is worth your time.
If you’re rate‑sensitive, asking for a quote with and without discount points (paying extra upfront to lower the rate) will give you a clear apples‑to‑apples picture.
What you should do next
- Check at least 2–3 VA‑approved lenders for personalized quotes on the same day.
- Compare rate, APR, points, and total closing costs, not just the headline interest rate.
- If you already know your credit score, loan amount, and whether it’s purchase vs. refi, you can often see a fairly accurate custom rate online before speaking with anyone.
Information gathered from public forums or data available on the internet and portrayed here.