What are VA loan rates today, Nov. 12, 2026 — and the best lenders

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VA loans — mortgages backed by the U.S. Department of Veterans Affairs — are designed to help veterans and active service members become homeowners. These loans require no dow ...

The 30-year fixed-rate for VA loans is 6.76% as of today, according to data released by Optimal Blue. That's slightly slightly higher than Tuesday.

The Optimal Blue Mortgage Market Indices is an average of locked rates during the weekday prior across a third of all mortgage providers in the U.S.

VA loans — mortgages backed by the U.S. Department of Veterans Affairs — are designed to help veterans and active service members become homeowners. These loans require no down payment, have lower interest rates than conventional loans and don't need private mortgage insurance if you put less than 20% down.

It's a great option for anyone who has served and especially those who haven't saved much up for a down payment. Below, CNBC Select highlights the best VA loan lenders based on a homebuyer's priorities.

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Why we love it: Veterans United consistently receives top ratings from J.D. Power and the Better Business Bureau. It also has a 24/7 phone line.

We also like that Veterans United goes beyond the loan process to help members of the military and their families. It offers free credit counseling to help you boost your credit before you apply for a mortgage — which can help you get a better rate. Additionally, it has a sister foundation, Veterans United Foundation, which raises money for organizations that support military families.

Why we love it: Navy Federal offers VA loan rates that are consistently below the industry average — often even better than competitors with lower-than-average rates.

Navy Federal also has another 0% down payment option for military members. Plus, for a $250 fee, borrowers can lower their mortgage rate without refinancing, a huge bonus for anyone who bought when rates were high.

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