Today's VA Mortgage Rates, Plus FHA, Conventional, and Jumbo Options
As of:
VA Home Loan
The current mortgage rates for Future Home Loans’ VA Home Loan product offer competitive financing options to eligible veterans and service members. Please see the details below for today’s specific rates and terms.
VA loan rate: 6.37%*
APR: 6.568%*
Points: 1.4
**Based off a VA 30 year fixed rate home loan with 740 Fico score and borrower eligibility. Scenario updated as of September 22, 2026. Rates and APR are subject to change. NMLS 1621953 Equal Housing Lender.
Compare today’s mortgage rates from Future Home Loans, a veteran-owned mortgage brokerage in Jacksonville Beach, Florida, licensed in 13 states. The quote on this page lists the rate, APR, points, and the assumptions behind the numbers, together with the date the scenario was last updated. Rates move daily, so read the stamp below before you weigh offers.
As an independent brokerage with access to a vast network of wholesale lenders, Future Home Loans prices one application across multiple lenders rather than a single bank’s rate sheet.
Loan Programs Priced Every Day
Future Home Loans brokers price the programs below every day, and current mortgage rates for each one are quoted on request from live wholesale pricing. Because today’s mortgage rates move with the bond market, quotes are refreshed rather than left to age. FHA loan rates often sit close to conventional loan rates for borrowers with solid credit, while jumbo loan rates vary more from one lender to the next.
|
Loan Program |
What It Is |
Often a Fit For |
|
30-Year Fixed Conventional |
Principal and interest spread over 30 years at one unchanging rate |
Buyers who want the lowest fixed monthly payment |
|
15-Year Fixed Conventional |
The same fixed structure on a 15-year term, so the balance falls faster. |
Borrowers trading a higher payment for less total interest |
|
FHA 30-Year Fixed |
A government-insured loan that includes FHA mortgage insurance |
Buyers with smaller down payments or credit still in repair |
|
VA 30-Year Fixed |
A VA-guaranteed loan with no down payment for eligible borrowers and no monthly mortgage insurance |
Veterans, service members, and certain surviving spouses |
|
Jumbo 30-Year Fixed |
Financing for a balance above the conforming loan limit |
Higher-priced properties |
What Determines Your Mortgage Rate
Two sets of factors decide the quote you receive. The market sets the baseline: mortgage pricing follows the bond market, especially 10-year Treasury yields and mortgage-backed securities, which is why quotes can change between morning and afternoon. Freddie Mac’s weekly Primary Mortgage Market Survey is a useful benchmark for where the national average sits.
Your file sets the rest. Credit score, down payment or equity, loan program and term, property type, occupancy, and whether you pay points all shape the final number. Use the home mortgage calculator to see how a quarter-point change affects a monthly payment before you lock.
Locking Your Mortgage Rate
A mortgage rate lock holds your quoted rate and points for a set window while the loan moves through underwriting to closing. Until you lock, the quote floats with the market.
Most buyers lock once they have a signed contract and a realistic closing date. Ask your loan officer how long the window runs and what happens if the schedule changes.
Why a Broker’s Rate Can Differ From a Bank’s
Banks price loans from one rate sheet. As an independent brokerage, Future Home Loans is not limited to a single lender’s products; the same application can be priced across multiple wholesale lenders, and the borrower takes the strongest quote that fits the file. For a deeper comparison, read Mortgage Broker vs. Bank: Which Gets You a Better Rate in Florida? on the company blog.
Since 2017, that model has helped more than 11,000 families finance homes, with an average 14-day clear-to-close timeline.
Ready for numbers on your own scenario? Get started with a Future Home Loans broker and see where your file prices are across the lender network in one conversation.
Frequently Asked Questions
What are VA loan rates today?
The VA scenario at the top of this page shows the current rate, APR, and points, along with the credit score and loan type it assumes. Treat it as a sample quote, not an offer. Your own pricing depends on your entitlement, credit profile, loan amount, and the day you apply, so check the as-of date first.
Are VA mortgage rates lower than conventional loan rates?
Often, yes. The VA guarantee lowers the lender’s risk, so VA pricing frequently comes in below a comparable conventional quote for the same borrower. Points, credit score, and each lender’s appetite can shrink or flip that gap on any given day, which is why same-day, side-by-side comparisons matter more than any rule of thumb.
What is the difference between the interest rate and the APR?
The interest rate is the yearly cost of borrowing the principal. The APR includes that rate plus certain lender fees and points, expressed as one annual figure, which is why it usually runs higher. When you compare two offers, the APR gives a fuller picture of cost than the rate alone.
What happens if my mortgage rate lock expires before closing?
If closing slips past your lock window, the lender may offer a paid extension or re-quote the loan at current pricing. Ask how extensions are handled when you first lock, and build the timeline around your contract date. A short buffer between lock expiration and closing keeps a small delay from costing you money.
Can a mortgage broker get a better rate than a bank?
A broker submits one application to several wholesale lenders and compares what each returns, while a bank prices from its own sheet. That competition often produces a lower rate or fewer points for the same file, though not in every case. Request loan estimates on the same day, with the same points, and compare them line by line.
What credit score do the advertised rates assume?
The rate scenario on this page assumes a 740 FICO score. Lower scores can still qualify, though pricing usually carries a higher rate or added points. The VA does not set an official minimum score; individual lenders set their own floors, and a loan officer can tell you where yours lands.
What is the VA funding fee, and who is exempt?
The funding fee is a one-time charge paid to the VA, not to the lender. Most first-time buyers putting less than 5 percent down pay 2.15 percent of the loan amount; repeat use runs 3.30 percent, and larger down payments lower the fee. Veterans receiving service-connected disability compensation and certain surviving spouses are exempt.
How often are the current mortgage rates on this page updated?
Rates on this page follow a set refresh schedule, and the ‘Rates as of’ stamp near the top shows the date of the last update. That stamp matches the date inside the rate disclosure, so you never have to guess which figure is current. If rates have moved since the stamp, a quote reflects live pricing.