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About
VA 30-Year Fixed Mortgage Loan
Current rates are as low as 5.500% / APR 6.078%
Last updated: October 27th 2025, 4:30pm EST. The rate above is updated twice every day with the current mortgage rates.
VA loans allow veterans and active military to get a mortgage with as little as 0% down. Plus, they’re easy to qualify for.
Zero Down Payment
Lower Interest Rates
No Private Mortgage Insurance
Flexible Credit Requirements
VA 30-Year Fixed Loan Information
VA loans come with attractive interest rates due to the government backing. However, various factors can still influence the final mortgage interest rate. To better understand the eligibility criteria and program details, you can start by speaking to one of our seasoned experts.
VA 30-Year Fixed Loan Eligibility Conditions
- Honorably discharged veterans or active-duty service members with specific service requirements
- National Guard or Selected Reserve members with over six years of service
- Eligible surviving spouses of service members
- No minimum credit score defined by the VA, but lenders may have their own requirements
- The home must meet defined safety standards and building codes
- Certificate of Eligibility (COE) from the VA is required
Factors Determining VA 30-Year Loan Rate
- Credit Score
- Quoted Interest Rate
- Annual Percentage Rate (APR)
- Loan-Specific Details
- Property Location
VA Funding Fee
The VA funding fee is paid by the borrower and is typically between 1.25% and 3.3% of the total loan value. This upfront fee is typically financed into your mortgage loan.
Pros and Cons of VA 30-Year Fixed Loan
Understanding the advantages and disadvantages of a VA 30-Year Fixed Loan can help you make an informed decision.
Additional Pros
- No cap on maximum loan amount
- Multiple VA loans allowed
- Support for struggling borrowers
Cons to Consider
- No initial home equity due to zero down payment
- VA funding fee requirement
- Property restrictions (primary residences only)
- Limited to 1-4 family owner-occupied properties
Frequently Asked Questions
What is the highest term for which a VA mortgage loan is offered?
The maximum loan term for a VA loan is the 30-year fixed loan, which has a term of 30 years or 360 months.
What is the maximum amount of the VA home loan?
A VA loan amount has no maximum loan limit. However, in 2024, the standard loan limit in most US counties is $766,550. In high-cost counties, the loan limit for a single-family home is $1,149,825.
Does the 30-year fixed VA mortgage attract any prepayment penalty?
VA 30-year fixed loans do not have any prepayment penalties. You can pay your loan off at any time without incurring additional fees.
Who is eligible for a VA 30-Year Fixed Loan?
VA 30-Year Fixed Loans are available to:
- US veterans
- Active duty service members
- Members of the National Guard or Selected Reserve with over six years of service
- Eligible surviving spouses of service members
How do VA loan rates compare to conventional loans?
VA loan rates are typically lower than conventional loan rates due to the government backing. However, the exact rate will depend on various factors including your credit score, loan term, and current market conditions. At Total Mortgage, we update VA 30-year loan rates twice daily to help you make an informed decision.
To get the most accurate and up-to-date rate information, speak with one of our mortgage experts.
We'll help you find the perfect loan for you.
Apply Now