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30-Year Fixed VA Loan Rates Down to 5.199% Rate | 5.39% APR

No SSN required to pre-qualify. Zero impact to credit.

Are you looking to buy or refinance with your VA Benefits?

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Why do you want to refinance?

(select all that apply)

Lower my rate / payment
Take cash out of home
Pay off debts
Other
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What is your branch of service?

Army
Marine Corps
Navy
Air Force
Coast Guard
Space Force
Military Spouse
Other VA Eligibility
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Regular Military, Reserves, or National Guard?

If multiple, select the option that best describes the majority of your military service.

Regular Military
Reserves
National Guard
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Are you currently serving?

Currently Serving
Separated
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What's your price range?

(it's ok to estimate)

[{"by":25000,"end":1000000,"start":100000}]
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"7"
  • $100K
  • $1M+
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What type of property are you buying?

Single Family Home
Condominium
Town Home
Multi-Family
Mobile / Manufactured
New Construction
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How will you use your new home?

Primary Residence
Secondary / Vacation Home
Investment Property
Other
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When are you planning to make your home purchase?

Immediately: Signed a Purchase Agreement
ASAP: Found a House/Offer Pending
Within 30 Days
2 - 3 Months
3 - 6 Months
6+ Months
No Time Frame/Still Researching Options
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Do you currently own a home?

Yes, I currently own a home
No, I am currently renting
No, I have other living arrangements
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Do you plan to sell your current home when purchasing a new one?

Yes
No
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What is your current monthly rent payment?

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Is this your first time buying a home?

Yes
No
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What is your current credit score?

(it's ok to estimate)

Excellent (720+)
Good (660-719)
Fair (640-659)
Below Average (600-639)
Poor (Below 600)
I don't know
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Where will your new home be located?

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What's the value of your home?

(it's ok to estimate)

[{"by":"20000","end":"2000000","start":"200000"}]
null
"16"
  • $200K
  • $2M+
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What type of property is your home?

Single Family Home
Condominium
Town Home
Multi-Family
Mobile / Manufactured
New Construction
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How much do you currently owe on your home mortgage?

(it's ok to estimate)

[{"by":25000,"end":1000000,"start":50000}]
null
"6"
  • < $50K
  • $1M+
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What is your current mortgage interest rate?

select an option
select an option
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Where is your home located?

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Great News! 

You're almost finished.

Continue to the final steps so we can provide your personalized results. 


This service is 100% FREE and there is no obligation!

(click below to continue)

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What's your full name?

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What's your email address?

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What's your phone number?

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The Lending Doctor VA Streamline Refinance (IRRRL) Guarantees 

  • No Hard Credit Inquiry to Confirm Your Offer: It doesn't affect your credit just to see how much you can save!

  • 2-Year Refinance Guarantee: If rates drop 1% or more from the date we refinance your loan, we will cover ALL closing costs on your next refinance with us in the next 2 years.

  • New Year Special (2026): All lender fees including underwriting, administration, and processing waived with a refinance application that is submitted by February 28, 2026.




How this works...

1

60-Second Digital Pre-Approval

Share some basic info; if qualified, we'll provide you with a free, no-obligation pre-approval letter.

2

Choose the Best Options for You

Choose from a variety of loan programs and options, including custom terms from 8 to 30 years, exact rates, and custom lock periods.

The VA loan also comes with NO monthly mortgage insurance (PMI) and the famous "Streamline" option with no income or appraisal check!

3

Fund on Average in 12 Days!

We match your credit history with loan criteria, providing a reliable credit prequalification without impacting your credit. Qualifying consumers will receive special loan offers tailored just for them.

This hassle-free process only takes about 60 seconds, 
and it won't affect your credit score!



Share some basic info

5.199% Rate

Hi, I'm Arin, your loan officer.
It looks like you may qualify for
a lot more than you thought!







Calculate Your VA Loan Rate & Monthly Payments

It's FREE, and there's no SSN or login required!




IMPORTANT PRIVACY NOTICE: YOUR INFORMATION WILL NOT BE SOLD TO MULTIPLE PARTIES 

Most online mortgage shopping experiences sell the information they collect to multiple mortgage lenders, banks, and other institutions. 

We don't. You’ll get connected with a top  Mortgage Advisor that’s licensed in your market, and YOU can decide the next steps from there.



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