How VA loan rates work
We don't advertise a headline rate, because a headline rate isn't your rate. Here's what actually moves the number — and how to get a real one.
Why there's no rate table here
This site does not publish current rates or APRs. Your rate and terms depend on your credit profile, income and assets, the property, market conditions, lock timing, points or lender credits, underwriting, and final lender approval. Request a personalized quote from Bolt Home Loans LLC.
What determines your rate
Credit profile
Credit score and history are among the biggest drivers of the rate a lender can offer.
Loan amount and purpose
Purchase, IRRRL, cash-out, and jumbo balances price differently in the secondary market.
Occupancy
Primary-residence VA loans generally price differently than a second home or investment scenario.
Term
15-year and 30-year terms carry different rates.
Points or lender credits
Paying discount points can lower your rate; taking a lender credit can raise it to offset closing costs.
Lock timing
Rates move with the market daily; when you lock affects your final rate.
Market conditions
Treasury yields, mortgage-backed security pricing, and Fed policy all move rates broadly.
Underwriting and lender approval
Your final rate is confirmed only after underwriting and lender approval.
Common questions
- Does this site publish current VA rates?
- No. This site does not display current rates or APRs. Rates change constantly and a published number cannot reflect your specific file. Request a personalized quote from Bolt Home Loans LLC instead.
- What determines the rate I am offered?
- Your credit profile, income and assets, the loan purpose and amount, the property and occupancy, the loan term, discount points or lender credits, when you lock, prevailing market conditions, underwriting, and final lender approval.
- Is a quote a rate lock?
- No. A quote is not a rate lock and not a commitment to lend. Rates can move until your loan is locked, and terms remain subject to underwriting and lender approval.
- Do VA rates include the funding fee?
- The VA funding fee is a separate one-time cost, not an interest rate. It can often be financed into the loan. An APR figure on a formal disclosure reflects certain financing costs; your Loan Estimate is the authoritative document.
Get a personalized quote
A licensed loan officer at Bolt Home Loans LLC, NMLS #2784913, can price your specific scenario.
Closing costs, lender fees, and third-party charges vary by transaction, program, and state. Review your Loan Estimate for the costs that apply to your specific loan.