It varies based on many factors. As VA Home Loans are backed by the US federal government, rates can be competitively low and will vary by lender. To calculate an individual’s VA Home Loan rate, our Military Mortgage Advisors will consider factors such as credit score, the loan type (purchase, IRRRL, Cash-Out, Jumbo, etc.), the loan term (15-year versus 30-year) as well as current market conditions.