The Best VA Home Loan Lenders of 2018

What is a VA Loan?

VA home loans are mortgages backed by the U.S. Department of Veterans Affairs, with down payments as low as 0%. These loans are a benefit offered to those serving in the armed forces, reservists, veterans and qualifying military family members, and are serviced through private lenders with special rates and terms for military personnel. 


Top 5 Mortgage Lenders for Getting a VA Loan:

LenderLoan TypeAPRGet an Offer
LendingTreeFHA, VA, USDA, ConventionalQuotes vary based on lenderGet Quote
JG WentworthFHA, VA, USDA, ARM, ConventionalRanges based on your informationGet Quote
AmerisaveFHA, HARP, VA, USDA, ConventionalRanges based on your informationGet Quote
The Easy Loan SiteFHA, VA, ConventionalQuotes vary based on lenderGet Quote
Rocket MortgageVA, FHA, HARP, ConventionalRanges based on your informationGet Quote

If you might qualify for a VA home loan, it is in your best interest to apply. That’s because VA loans are a lot more advantageous than regular mortgages. One of the benefits of applying for a VA loan is that most lenders approve applicants with a less than perfect credit report. Typically, veterans, etc. have a lower credit score, a higher debt to income ratio, and short or no credit history. As such, clemencies are granted to these individuals when they apply for their loans. Additionally, VA loans generally come with a lower interest rate than you’ll find with other types of mortgages. 

VA mortgage loans benefit military providers

So, VA loans are easier to be approved for and will cost you less overall than a private mortgage. Whether you are applying for a single family home, condominium unit, or co-op units, the right lender can give you the financial backing you need to purchase your own living quarters with ease.


A Closer Look at the Best VA Mortgage Lenders of Today:

1. LendingTree​ LendingTree

  • Loan amounts ranging from $36,000-$721,050
  • No service fees
  • A+ BBB rating
  • Quick and easy online application and comparison tool

LendingTree​ is not a direct lender. Rather, it is a lender aggregator that gives borrowers access to a larger pool of lenders at one time. The advantage of this system is that you can fill out a single application form and instantly apply to tens or hundreds of lenders at once. It saves you the time and headache of filling out multiple application forms that are asking the same questions. It also helps borrowers get the best rates because you can instantly compare offers from different lenders to find the best one with the lowest interest rates and longest terms.

LendingTree is an excellent choice for your VA loan needs for several reasons. In addition to opening you up to several options simultaneously, LendingTree charges no service fees, requires no mortgage insurance, and even has a convenient loan calculator to help you see exactly how much you’ll pay over time with your loan.

LendingTree lenders cover the spectrum of VA loans including purchase loans, rate & term refinancing, streamline refinancing, interest rate reduction refinancing loans (IRRRL), cash-out refinancing, cash-in refinancing, and jumbo loans. So, you can find whatever type of loan you are looking for here.

Biggest Perk: Wide network of lenders for most competitive terms

Visit LendingTree

2. J.G. Wentworth JG Wentworth

  • Some of the lowest interest rates around
  • Equal housing lender
  • No prepayment penalties
  • Works with low credit scores

J.G. Wentworth has a sterling reputation in the home mortgage loans industry, and it services those looking for VA loans as well. It is a Nationwide Mortgage Licensing System lender, which holds a lot of clout in this industry, is a US Chamber of Commerce Member, and holds an A+ rating with the Better Business Bureau. In short, JG Wentworth is a reputable and easy company to work with for your VA loans.

Keeping in line with all the usual regulations, fee waivers, and stipulations set forth by the Department of Veterans’ Affairs, JG Wentworth makes getting approved for this type of loan a snap for those who have served our country. Loan terms range from 1 year all the way to 40, so you have a lot of flexibility when choosing your repayment terms. What’s even more encouraging about this lender is that J.G. Wentworth works with people who have lower credit scores (as low as 600 generally), charges lower interest rates than many of its competitors, and charges no prepayment penalties, so you can pay off your loan early and save on interest charges.

Biggest Perk: Works with low credit scores

Visit J.G. Wentworth

3. AmeriSave Amerisave

  • Minimum credit score: 600
  • Maximum debt-to-income (DTI) ratio: 50%
  • Personalized customer service
  • Rate quotes within 1 minute

AmeriSave is another excellent option for getting a VA loan. It offers a wide range of loan types including government-backed loans like FHA, HARP, VA, and USDA loans. Additionally, you won't have to pay any origination or application fees when working with this company. However, one of the most telling features of Amerisave services is the price protection guarantee. It states that if you find a loan with better terms elsewhere (after you've already signed up for a given rate), Amerisave will match that lower rate or subtract $1,000 off of your loan. That's the most competitive offer out there.

While you can use the online application form, Amerisave is a more traditional VA loan lender, opting to have phone contact with each of its customers. You'll be able to discuss your loan options with a qualified representative, choose between 15- or 30-year repayment terms, and decide whether you want fixed or adjustable rates (and have those terms explained in case you don't know what they mean) with the help of one of these dedicated agents.

Biggest Perk: Lowest rate guarantee

Visit AmeriSave

4. The Easy Loan Site The Easy Loan Site

  • Multiple loan offers within seconds
  • Easily compare offers with convenient online tool
  • Closing costs featured within the mortgage offers
  • More than a decade in the industry

Among other offerings, The Easy Loan Site provides a fast and simple way for veterans and current military service personnel to apply and be approved for VA loans. Since 2005, this company has provided borrowers with a user-friendly website that is clean and easy to navigate, low-interest rates, and 15- or 30-year term loans.

Another aspect of this service that you are going to appreciate is the mortgage offer breakdown. Unlike other services that try to hide the various fees they charge, so it looks like you're paying less (when you're actually hit with a lot more at the end of the day),'s mortgage rate offers to reflect all of the rates and fees including closing costs within the proposal. This way, you see exactly what you're getting yourself into and can make a more informed decision. also features several web-based tools to help you manage your finances better in general. The A+ Better Business Bureau rating only helps to add credibility to this already top-notch service.

Biggest Perk: Custom forms for specific lenders

Visit The Easy Loan Site

5. Rocket Mortgage Rocket Mortgage

  • Super fast and easy paperless process via smartphone mobile app
  • No prepayment penalties
  • Solid reputation for excellent service
  • 24/7 security monitoring

Rocket Mortgage is a subsidiary of the more well-known Quicken Loans which brings 30+ years of experience to the table. This unique lending platform offers military service personnel a modern spin on the more traditional process of applying and receiving home loans. In fact, the entire process with Rocket Mortgage is paperless, so if you like the idea of getting fast approval for your VA loans directly on your smartphone, this is the lender to choose.

Not only can you upload documents, fill out forms, and send off the application so that your whole application takes only a few moments, Rocket Mortgage will give you customizable mortgage options that are based on real-time rates, so you are always getting the most competitive pricing available at the time. You can also instantly lock in rates with the touch of a button, so you don't miss out on a rock-bottom rate.

Rocket Mortgage has a lot of other benefits, as well as up-to-the-minute technology and security features. For starters, vets and military members can apply for a wide range of VA loans including rate and term, streamline, and cash-out refinancing, purchase loans, and more. You can get approved for a loan of as much as $1,500,000 (though as little as $36,000 is also possible) and pay it out over the course of 15, 20, or 30 years. Additionally, you’ll not be required to pay any prepayment penalties or private mortgage insurance, and Rocket Mortgage frequently rolls the funding fee directly into the loan amount to minimize these charges, as well.

Biggest Perk: Completely online, paperless process

Visit Rocket Mortgage

If you’re a veteran, in active military service, or the family of military service personnel, you may qualify for a VA home loan. Investigate the best VA loan lenders to compare rates and terms before you utilize this benefit to  gain the perfect home loan for you. Thanks for your service!


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