VA Mortgage Lender Reviews

Whether you’re buying or refinancing, you want a mortgage lender who understands VA loans. The best lender is one with expertise, excellent customer service, and low rates for your unique situation. Our team of mortgage experts did the research to help you find the right VA lender.

Review Methodolgy

Our home loan experts rate and review each VA lender based on industry data and mortgage consumer surveys. We may receive a commission if you decide to work with one of the companies we’ve reviewed, however, these relationships do not impact our review process. Instead, our ratings and reviews focus on the factors most likely to affect your home purchase or refinance process, including:

  • Rates and Fees
  • Loan options
  • Customer satisfaction
  • Customer complaints
  • Ease of application
  • Online resources
  • Minimum credit score
  • And More...


Most Veterans and active-duty service members are eligible for a VA home loan.

To be eligible, you must meet at least one of the following requirements:

  • Served 90 consecutive days during wartime
  • Served 181 days during peacetime
  • Have more than six years of service with the National Guard or Reserves

VA loans are also available to surviving spouses of military members who died in the line of duty.

VA loans are guaranteed by the Department of Veterans Affairs and offer a number of unique benefits, including lower mortgage rates, no minimum down payment or mortgage insurance, and flexible debt-to-income requirements.

The Department of Veterans Affairs imposes no limits on the loan amount.

Individual lenders may have their own loan limits but generally, you can get a VA loan as big as you like — as long as you can qualify for the monthly payments based on your income, existing debts, and other factors.

The Department of Veterans affairs imposes no minimum credit score for VA loans.

Individual lenders set their own credit score minimums. Typically, VA lenders will approve borrowers with a credit score of 620 or higher. Some VA borrowers may be able to qualify with a credit score below 620.

With a few very rare exceptions, borrowers can only have one VA loan at a time.

But you can use your VA entitlement for subsequent loans if:

  • You’ve paid off your previous VA loan
  • You’ve refinanced your previous VA loan to another loan type
  • Your previous VA loan has been assumed by another Veteran
  • You have leftover entitlement