ByBestmoney StaffJul.15, 2021
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In a Nutshell

VA Survey is a free mortgage marketplace that connects consumers with offers from a network of 2,000+ lenders and brokers. Although its specialty is VA loans, it can also facilitate other types of mortgages such as conventional and FHA loans. It takes only 60-90 seconds to complete an application, and you won’t have to provide any sensitive personal information. Results are displayed on your screen within seconds of hitting the ‘submit’ button.


  • Completely free service
  • Multiple (5+) offers per application
  • No hard credit pull


  • Website is very basic and lacks information
  • Many of the partners are just other search engines
  • Results are very generic (no personalization) at a Glance

Direct lender or marketplace: Marketplace
Loan Types: Purchase, refinance
Featured Loans:  VA (as well as conforming, jumbo, FHA)
Repayment Terms: 15-30 year fixed, 3/1 – 10/1 ARM
Minimum Down Payment: No minimum
Minimum Credit Score: 560-640
Best For: Comparing the VA loans market

Overview (and parent company The Wisdom Companies, LLC) is an aggregator that connects home buyers and home owners with lenders and brokers in its network. While is only the first stop in your mortgage search, it can speed up the process by hooking you up with multiple loan offers.

Best For?

This service is useful for anyone just beginning to search for a home loan or refinance, particularly if you or your spouse have served in the U.S. Armed Forces, National Guard, or Reserves. Most lenders and aggregators in the network specialize in VA loans, government-backed loans with preferential treatment for active and former service people.

Types of Loans/Products

As discussed, specializes in VA loans, home loans issued by private lenders and backed by the federal government’s Department of Veteran Affairs. Lenders may issue VA loans to active service members, veterans, or surviving spouses that meet all the VA’s qualifying requirements and wish to buy, build, repair, retain, or refurbish a primary residence. 

In addition to VA loans, can also facilitate other common types of loans. These include conventional loans (fixed and adjustable), Jumbo loans, FHA loans, and cash-out refinance.

The Application Process

As a loan comparison engine, feeds your information into its algorithm to match you with lenders from its network. 

The process involves three steps.

1.Application form

The form takes around one minute to complete and consists of 11 simple questions. The first question concerns your military status, and the options are: current active duty, Veteran, Reserves / National Guard, retired military, married to someone who served, or no military experience. If you check one of the first five options, will help match you with VA and other loan offers. If you don’t have military experience, VA loans will be excluded from your results.

The questions aren’t at all invasive, which has its pros and cons. On the plus-side, you won’t have to enter any sensitive information and it won’t affect your credit score. But on the flipside, the fact that the questionnaire doesn’t get into the finer details means that the resulting loan offers suffer from a lack of personalization. 

Also, you will need to enter your phone number, which will share with partners – so be prepared to have the phone ring off the hook over the following 24-48 hours. 

Be prepared to answer the following questions:

  • What branch do / did you serve in?
  • Are you a homeowner?
  • What type of home are you planning to purchase / do you own?
  • How is your credit?
  • How much do you plan to spend / is your home worth?
  • How much will you borrow / have you paid on your home?
  • Where are you planning to buy / do you live?
  • What is your employment status?

2. Browse the results

Within completing the form, you will be redirected to a new screen displaying at least five lenders or brokers (or in some cases, other comparison engines). Under each result, you’ll see one bullet point elaborating the main reason to choose that provider. If you like any of the providers, then click the green ‘See Rate’ button on the right-hand side to be taken to their website. recommends selecting at least three partners to find the best deal. 

3. Complete the process

Now that you’re on an actual lender or broker’s website, it’s up to you whether you want to complete the pre-approval process. Of course, you will need to give the lender sensitive information and it will affect your credit score.

Rates and Terms 

Interest rates and fees vary from lender to lender in the network. Some providers offer APRs ranging from below 3% right through to double digits. VA loans typically have repayment terms of 15-30 years, although some of’s partners have conventional loans with 10-year repayment terms.

The main benefit to using a service like is that it helps you compare rates, fees, and terms from multiple lenders.

Help & Support

Before using, keep in mind that it doesn’t list any phone number or email address. After completing the online form, you should expect to receive phone calls from lenders and other providers in their network. However, there is no way of contacting directly if you have a query.


Just starting out your search for a VA loan or VA refinance? With 2,000+ service providers in its network, boasts one of the largest VA loan comparison engines on the internet. Each time you use the search engine, you receive at least five recommendations free of charge. FAQs

Q: What are the eligibility requirements for a VA loan?

A: According to VA rules, the following people are eligible for a VA home loan: veterans who have served at least 90 consecutive days of active service in wartime or 181 days of active service in peacetime; members of the National Guard and Reserve who have served at least 6 years; and spouses of veterans who died in the line of duty or as a consequence of a service-related injury.

Q: What is a Certificate of Eligibility (COE) and can help you get one?

A: A COE is a certificate from the VA stating your eligibility for a VA home loan. Some of the lenders in’s network may offer free assistance with obtaining a COE. However, doesn’t offer any direct assistance.

Q: What is pre-approval?

A: Pre-approval is a confirmation from a direct lender that you are eligible for a loan from them. A referral from does not constitute pre-approval.

Q: If is free, how does it earn money?

A: earns money for referrals, and never charges its users directly. This means you can safely use its search engines over and over again without paying a dime.

Physical Address

The Wisdom Companies, LLC

909 N. Pacific Coast Highway

Suite 300

El Segundo, CA 90245

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