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Current VA Mortgage Rates: What Veterans Need to Know? (and What Nobody Tells You) | reAlpha Mortgage

July 31, 2025

8 minutes

Current VA Mortgage Rates: What Veterans Need to Know? (and What Nobody Tells You) | reAlpha Mortgage

You’ve served your country. Now it’s time to serve your financial future. Let’s sort through the confusion and uncover what matters when it comes to current VA mortgage rates in 2025—and how to make the most of them.

Rates are shifting. The smartest vets don’t just look for a good rate—they understand why it’s good -  when to lock it in, and how to turn savings into wealth.

Key Takeaways:

  • VA mortgage rates often beat conventional, but timing and lender choice matter.
  • Credit score, market conditions, and loan type can greatly influence your final rate.
  • Locking your rate at the right time can mean thousands in savings.
  • Commission-free platforms like reAlpha help you invest those savings smartly.

The Brutal Truth About VA Mortgage Rates in 2025

Mortgage rates have seesawed over the past year. According to Freddie Mac’s Primary Mortgage Market Survey, the national average for 30-year fixed mortgages has hovered between 6.2% and 7.5% over the past 12 months.

VA rates are typically 0.25% to 0.5% lower than conventional loans. But many veterans are still overpaying. Why?

  • Outdated info from mainstream banks
  • Lack of VA-specific lender guidance
  • Rushed decisions due to “rate panic”

Don’t be a statistic. Read on.

What’s Driving VA Rates Right Now?

Below are the common you might have about VA rates:

What is the current average VA mortgage rate?

As of April 2025, average VA loan rates sit around 6.35% for 30-year fixed terms (as per Veterans United).

Why are VA loan rates different from conventional loans?

They’re different because of the reasons listed below:

  • VA loans are backed by the government, reducing lender risk.
  • No PMI (Private Mortgage Insurance) required
  • Flexible credit score thresholds

How often do VA rates change?

Daily. Sometimes even multiple times a day, based on:

  • Bond markets
  • Inflation trends
  • Federal Reserve policy announcements

Should I lock my rate or wait in 2025?

If you’re under contract, lock now. Rates could climb with further Fed adjustments. Floating is only wise if you’re weeks from closing and trends are stable.

What factors can lower your VA mortgage rate?

  • FICO score above 700
  • Low debt-to-income (DTI) ratio
  • 10–20% down payment (yes, even though not required)

Commission-Free Wealth: Why reAlpha Makes Sense?

What if you could reinvest what you saved on interest… into wealth-building real estate?

reAlpha helps you do exactly that—without paying a dime in buyer’s agent commission. Unlike traditional platforms, reAlpha lets you:

  • Purchase real estate commission-free
  • Use your VA savings to invest without high fees eating away at your returns

Think of locking a mortgage rate like freezing time before inflation eats your wealth. Lock smart, invest smarter.

Explore smarter homeownership with reAlpha and turn your VA savings into long-term real estate gains

VA Loan Rates vs Conventional


Loan Type
Upfront Fees
Hidden Commissions
Wealth Potential
Traditional Mortgage
HighYesLow
VA Loan via reAlpha mortgage
LowNoneMedium
Invested via reAlpha
NoneNoneHigh

Find the Perfect Mortgage for Your Dream Home with reAlpha Mortgage.

Compare options, calculate payments, and get expert guidance - all in one place.

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FAQs

Are VA loan rates lower than conventional?

Yes. VA loans usually offer 0.25–0.5% lower rates thanks to government backing.

Do VA rates vary by lender?

Absolutely. Some lenders mark up VA rates significantly—always shop around.

Is now a good time to get a VA loan?

If you're eligible and rates are under 6.5%, locking now may save you thousands.

How does credit score affect VA mortgage rates?

A FICO above 700 generally unlocks the best offers. Below 620? Expect a premium.

Can I refinance my VA loan if rates drop?

Yes, through a VA IRRRL (Interest Rate Reduction Refinance Loan). Minimal paperwork. No appraisal.

Final Thoughts: Make Your Next Step Count

Buying your dream home doesn’t have to drain your savings. With reAlpha Mortgage, you can unlock up to 75% of your buyer agent’s commission back — real cash that can fund your appraisal, inspection, or even your first few mortgage payments.

Here's how it stacks up:

  • 25% rebate when you use a reAlpha agent
  • 50% rebate when you finance through reAlpha Mortgage
  • 75% rebate when you bundle with reAlpha Title services

Why overpay when your VA benefits already give you a head start? Let reAlpha Mortgage help you build wealth from day one.

Explore your VA savings with reAlpha Mortgage →

Compliance & Disclosures

reAlpha Mortgage is a licensed mortgage broker, NMLS #1743790. reAlpha is not a mortgage lender or real estate brokerage. No financial advice is provided. Always consult with a licensed financial advisor or mortgage professional for personalized guidance.

. No financial advice is provided. Always consult with a licensed financial advisor or mortgage professional for personalized guidance.

All mortgage rates and terms are subject to change without notice. Data sources include Freddie Mac PMMS, Bankrate, and VA.gov. The examples provided are for illustrative purposes only and do not guarantee future performance or rate eligibility.

VA loans are available to eligible veterans, active-duty service members, and certain surviving spouses. Eligibility must be verified through the U.S. Department of Veterans Affairs.

reAlpha Mortgage and reAlpha maintain a strategic partnership but operate as separate entities.

Find the Perfect Mortgage for Your Dream Home with reAlpha Mortgage.

Compare options, calculate payments, and get expert guidance - all in one place.

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Article by

NK
Nathan Knottingham

Proudly serving as Head of Go-to-Market Strategy at reAlpha, focusing on holistic homeownership journeys.

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