VA loan rates today, November 13, 2026: what borrowers should know
The current rate for a 30-year fixed-rate VA loan stands at 6.81%, according to data from Optimal Blue, released on November 13, 2026. This represents a slight increase compared to rates reported earlier in the week.
Optimal Blue’s Mortgage Market Indices reflect an average of locked rates gathered from approximately one-third of mortgage providers across the United States.
VA loans, backed by the U.S. Department of Veterans Affairs, are specifically designed to assist veterans and active-duty service members in achieving homeownership. These mortgages offer benefits such as no down payment requirements, potentially lower interest rates than conventional loans, and the elimination of private mortgage insurance for those with less than 20% equity.
For veterans seeking lenders, CNBC Select has compiled a list based on different priorities.
**For Exceptional Customer Service:** Veterans United consistently receives high ratings from J.D. Power and the Better Business Bureau, and provides 24/7 phone support. The company also offers free credit counseling and supports military families through its Veterans United Foundation.
**For Competitive Rates:** Navy Federal Credit Union is frequently recognized for offering VA loan rates below the industry average. They also provide a 0% down payment option for military members and a service to lower mortgage rates for a $250 fee.
**For Online Convenience:** Rocket Mortgage stands out with its user-friendly website and mobile app, allowing borrowers to manage their loans online and even complete portions of the closing process remotely. They also offer closing credits when using partner real estate agents.
Veterans United offers conventional, FHA, VA, USDA, jumbo, refinancing, HELOC, and home equity loan options with terms ranging from 10 to 30 years. A minimum credit score of 620 is required for conventional loans, while FHA loans require a score of 500. VA loans require 0% down payment.
Navy Federal Credit Union offers conventional loans, VA loans, Military Choice loans, Homebuyers Choice loans, and adjustable-rate mortgages. Personalized rates are available online.
Rocket Mortgage provides conventional, FHA, VA, HomeReady, Home Possible, Rocket ONE+, jumbo, refinancing, and home equity loan options. They are available to borrowers in all 50 U.S. states.
Source
“What are VA loan rates today, Nov. 13, 2026 — and the best lenders”
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