VA loans are one of the best benefits for eligible veterans — often with competitive rates, zero down, and no monthly mortgage insurance. This page explains how VA rates work and how to get yours. The live rate table belongs here.

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Today’s sample rates

Live Rates · California

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Monthly payment examples below are for a loan amount of $350,000 ($1,100,000 on Jumbo). Taxes and insurance are not included within the estimate; actual payment amount will be greater.

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Rates change daily and vary by your profile. A personalized quote is most accurate.

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Quick answer

VA rates in California are often competitive, and VA loans add big advantages: no monthly mortgage insurance and no down payment for eligible veterans. There is a one-time funding fee (some veterans are exempt). Your rate depends on your credit, loan details, and the market. For 2026, VA has no county loan limits for full-entitlement veterans.

What affects your VA rate

FactorHow it affects your rate

Credit scoreHigher score, usually lower rate

Loan termShorter terms often have lower rates

PointsCan lower your rate. See Rate vs APR

Loan detailsPurchase vs refinance, occupancy, etc.

The marketMoves rates daily. See What Moves Rates

The VA advantage

Even at a similar rate, a VA loan can cost less overall because there is no monthly mortgage insurance — a real savings versus FHA and low-down conventional loans. Factor that in when comparing. See VA and VA - FHA Education.

How to compare

Use the APR. See Rate vs APR.

Remember: no PMI lowers your total cost.

Get a Certificate of Eligibility to confirm your benefit.

Good questions

Frequently asked questions

They change daily. The live table shows ranges; your rate depends on your profile.

Next steps

Confirm your benefit, then get your rate

If you're eligible, the VA benefit is powerful — competitive rates plus no PMI. Get a personalized quote. EZ Online Mortgage can confirm your eligibility and show your personalized VA rate.

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VA VA IRRRL (VA Streamline) Get Pre-Approved VA - FHA Education

This page is for education only. It is not a loan offer or a rate quote. Rates change daily and depend on your individual circumstances. Equal Housing Opportunity · NMLS #362311 · CA DRE #01871814.

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