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Mortgage rates for June 11, 2026
Compare today’s VA mortgage rates and learn how eligible veterans and active-duty service members can purchase a home with no down payment and no monthly mortgage insurance.
100% secured. No impact to your credit scores.
0% Down Payment
No monthly PMI
No minimum credit score
Competitive Rates
Primary Home Only
Rates updated as of June 11 , 2026
| Product | Interest rate | APR |
|---|---|---|
| 30-year fixed-rate VA | 5.868% | 5.869% |
| 15-year fixed-rate VA | 5.422% | 5.426% |
| 5-year ARM VA | 5.587% | 5.683% |
| Product | Interest rate | APR |
|---|---|---|
| 30-year fixed-rate VA | 5.713% | 5.817% |
| 15-year fixed-rate VA | 5.347% | 5.449% |
| 5-year ARM VA | 5.518% | 5.727% |
Purchase and refinance FHA mortgage rates updated as of June 11, 2026. Rates are informational only and subject to change. Personalized rates may vary based on credit score, loan amount, property type, occupancy, discount points, and other loan factors. Not a commitment to lend. Data Source: Zillow Inc. 2006-2026.
740+ borrowers typically get the best pricing.
No down payment is required for VA loans
15 year and 5 year ARM loans have better rate than 30 year mortgages
Finance anything from a single family up to a 4 unit
Primary residence only allowed for VA loans.
Finance up to the conventional loan limit of $832,700 with a VA loan
So far, 2026 has been one of the most volatile years in the mortgage industry.
Rates started the year much lower compared to the last 3 years. Unfortunately, the war in Iran has caused a spike in oil prices and inflation which has made rates jump once again.
According to experts, mortgage rates are expected to remain in the 6% rate range through the end of 2026 and beginning of 2027. Furthermore, economists believe the Federal Reserve will not be cutting rates until the middle or end of 2027.
VA loans have some of the best rates out of any program available right now.
However, having strong credit scores is crucial to getting the best VA rates.
It is important to note that VA loans do not require a down payment and a lower loan-to-value will not help you get a better rate. This is one of the things that makes VA loans so special. Do note that putting a down payment will help you lower your monthly payments.
Tip: Once you find the right loan option, locking your rate can help protect you from market changes while your loan is being processed.
Which one is the better one for you?
|
Requirement
|
VA Loan
|
Conventional Loan
|
|---|---|---|
|
Credit Scores
|
No Minimum
|
No minimum
|
|
Minimum down payment
|
$0.00
|
3%
|
|
Debt to income ratio (DTI)
|
Up to 65%
|
Up to 49.9%
|
|
Loan Limits
|
||
|
Mortgage Insurance
|
Never
|
Not Required with 20% Down
|
|
Occupancy
|
Primary, vacation, investment
|
We compare rates from 40+ lenders to find competitive options that fit your needs. You’ll get expert guidance, personalized solutions, and a partner who works for you.
We compare rates from 40+ lenders to find competitive options that fit your needs. You’ll get expert guidance, personalized solutions, and a partner who works for you.
Comparing today’s mortgage rates is a vital step in the home-buying or refinance process, as even a slight difference in rates can have a significant impact on the total cost of a loan over its lifetime. By thoroughly comparing rates from various lenders, borrowers can identify the most favorable terms, potentially saving thousands of dollars in interest payments.
As mortgage brokers, Andes Mortgage LLC has the ability to compare over 30 lenders for you when you start the home loan process with us.
To get a personalized rate options that you can qualify for, you’ll need to provide some information about the type of process you are looking for, the price or value of the home, your credit score and income. If you would like to see tailor-made options for you, simply start below to get started, and we’ll be sure to get you rate quotes that reflect your situation without inquiring on your credit.
VA mortgage rates change daily based on market conditions, inflation data, mortgage-backed securities pricing, and lender guidelines. Your actual interest rate will depend on factors such as your credit scores, loan amount, location and overall financial profile.
VA loans are available to eligible veterans, active-duty service members, certain National Guard and Reserve members, and some surviving spouses.
Borrowers will need a valid Certificate of Eligibility (COE) to verify their VA loan benefits. We can help determine your eligibility and obtain your COE if needed.
The minimum credit score for an FHA loan is 520 when the borrower puts down a minimium of 10%. However, FHA’s minimum credit score requirement is 580 when the borrower puts the minimum down payment requirement of 3.5%.
Yes. VA loan benefits are reusable. Many eligible veterans use their VA loan multiple times throughout their lives. Depending on your remaining entitlement and loan history, you may be able to purchase another home using your VA benefits even if you’ve used the program before.
One of the biggest benefits of a VA loan is that eligible borrowers can often purchase a home with no down payment.
This allows veterans and service members to become homeowners without needing to save tens of thousands of dollars for a traditional down payment.
Yes. VA financing allows borrowers to purchase 2–4 unit properties while occupying one of the units as their primary residence. This is one of the most popular strategies for many Veteran homebuyers who want to reduce their monthly mortgage outflows by being able to collect rent from the other units.
No. VA loans do not require monthly mortgage insurance (PMI), even when financing 100% of the home’s purchase price. This can result in significant monthly savings compared to many conventional and FHA loan options.
To buy a $400,000 home with a VA loan, assuming you have no other monthly debt on credit, you’ll need to make anywhere between $70,000 and $80,000.
Get a personal rate in minutes and explore your best loan options – no impact to your credit.
Book a call and get personalized information.
Skip the wait and get started on your pre-approval asap.