Checking today's mortgage rates
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VA mortgage rates
Up 3 basis points from Jul 15, 2026.
This number tracks locked 30-year fixed VA mortgages across the United States. VA loans serve eligible service members, veterans, and certain qualifying family members.
It is not an eligibility decision or a personal quote; lenders still price the borrower, property, loan, and fees individually.
Source
Optimal Blue / FRED
Measure
Locked-loan average
Data through
Jul 16, 2026
Latest 90 published observations for VA.
A crawlable record of the latest values, with each row compared with the prior valid observation.
High across 8 observations
6.203% · Jul 16, 2026
Low across 8 observations
6.119% · Jul 10, 2026
Net change since Jul 7, 2026
+8 bps
| Observation date | Rate | Change from prior observation |
|---|---|---|
| Jul 16, 2026 | 6.203% | +3 bps |
| Jul 15, 2026 | 6.177% | +3 bps |
| Jul 14, 2026 | 6.150% | Unchanged |
| Jul 13, 2026 | 6.153% | +3 bps |
| Jul 10, 2026 | 6.119% | −5 bps |
| Jul 9, 2026 | 6.167% | +1 bp |
| Jul 8, 2026 | 6.161% | +4 bps |
| Jul 7, 2026 | 6.120% | — |
Weekends, holidays, and missing observations are skipped. A basis point is 0.01 percentage point.
The U.S. Department of Veterans Affairs guarantees part of an eligible VA loan, while a private lender originates it. Eligibility and property rules come from VA and lender documents.
Lender pricing, credit details, loan amount, points, lock period, and any applicable funding fee can vary even when two loans both use the VA program.
The page uses the Optimal Blue VA locked-loan index, usually published on the next business day, and displays the latest observation date.
Clear limits on what this number can tell you.
No. Eligibility and final pricing depend on VA rules and the lender's review of the specific loan.
The page shows a rate index, not an APR that combines every fee. Formal loan documents provide the applicable charges.