a man in military uniform with two children

VA Home Loans

Helping heroes become homeowners.

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VA Home Loan Rates

APR Effective 7/22/2024*

6.698
%
APR

VA 30 Year Fixed

VA Purchase 0% Down

*See important information about rates, fees and other costs

Want to learn more about VA loan rates and fees? Contact us at 800-233-2328 ext. 5772. You can also make an appointment to speak with a BECU mortgage advisor.

BECU is honored to serve those who have served in the military. Veterans Affairs (VA) home loans offer competitive rates and low fees to qualified military personnel and their families. Whether you're buying your first home, your next home, or are new to the area, our experienced consultants will help make your purchase a reality.1

To qualify, you need to have a Certificate of Eligibility (COE).

Features and Benefits

  • Low and zero down payment options - up to 100% financing available.
  • Up to $8,000 towards closing costs for first-time homebuyers. Learn more about our First-Time Homebuyer Grant.2
  • No origination fee on VA loans.3
  • No private mortgage insurance required, regardless of the down payment amount.
  • Limited closing costs and fees.
  • Get prequalified quickly with flexible credit qualification guidelines.
  • Fixed-rate and adjustable-rate mortgages available.

Who Is Eligible?

Qualified veterans, reservists, active-duty personnel, and certain family members are eligible for VA home loans. Determine your eligibility for the required Certificate of Eligibility (COE) at www.ebenefits.va.gov.

Why BECU

When you choose BECU for your homebuying needs, you'll work with an experienced and trusted mortgage advisor who knows your local market. They'll guide you every step of the way.

Working with BECU also means:

  • You're part of a non-profit credit union that puts its members' needs first.
  • You're working with local people who are dedicated to supporting their communities.
  • We're committed to helping you build your financial wellness.

Meet our VA Home Loan Professionals

Our experienced mortgage advisors are here to help—many are veterans themselves.

Meet the Advisors

Frequently Asked Questions

If you're active-duty personnel who has served for at least 90 continuous days (all at once, without a break in service), you qualify for a VA loan.

For veterans, the minimum active-duty service requirements depend on when you served. Please refer to the Veteran Affairs website Eligibility requirements for VA home loan programs for more information.

VA loan benefits don't expire, so you can use them at any point after getting out of the military. Additionally, you can use this benefit as many times as you want if you have any remaining entitlement.

If you're eligible for a VA loan and can qualify with a lender, there's no limit to how many of these mortgages you can take out over the course of your life.

Veterans Affairs has not set a specific VA loan credit score requirement. Lenders, however, can set their own minimum requirements for a VA loan.

Boeing Employees' Credit Union NMLS ID 490518.

1Mortgage loans are subject to membership, credit approval, and other underwriting criteria; not every applicant will qualify. Certain restrictions apply. Home loan programs, terms, and conditions are subject to change without notice. BECU reserves the right to terminate this offer at any time without notice.

2Buyers must meet all the First-Time Homebuyer Grant program criteria, including loan and property qualifications, all of which are not listed here. BECU reserves the right to alter or change criteria.

All federal, state, and local taxes imposed on the acceptance of a grant are solely the responsibility of the applicant. BECU will issue an IRS Form 1099-MISC or W-2 to an applicant where a Form 1099-MISC or W-2 is required by applicable law. Applicants should consult their own accountant(s) or tax advisor(s) to determine tax implications, if any.

3Purchase your home in Washington or Idaho using a Veteran Affairs loan, and you'll pay no origination fee. To qualify, you need to have a Certificate of Eligibility (COE).