Customer savings to date in 2018*

How much could you be saving?

Ret. Maj. Tim Lewis

Active duty as an enlisted soldier, National Guard, and Reserves as an officer for a total of 22 years.For about 25 years now, Tim has been in the mortgage industry. If you've ever had a chance to speak with him, you know he has a way with words and humor.

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Utah Residents Save


Savings based on 2015 active loan data

72Gallons of gas

*Price-per-gallon based on CNN Money


*Based on an average lunch price of $8.08

Why Low VA Rates?

We are passionate about Veterans and the Military

We are here because we want to be, and have been assisting veterans for the past 10 years. The purpose of the VA loan program is to help our nation's veterans obtain adequate housing on better terms than they could get elsewhere, and the reason we come to work every morning is to make sure that happens for every veteran that calls our number or walks through our door. Our goal is to make sure that a veteran is treated like the hero that he or she is, and gets the benefit they were promised when they signed up to protect our freedom.

We find great fulfilment in our work to help veterans take advantage of the VA loan program. It brings us great satisfaction to do something we love and provide a much-needed service to our nation's greatest assets. At the risk of getting sentimental, seeing a newly-discharged veteran with a young family learn that they can get the home they want with the interest rate a full 2% less than he was expecting is one of the best experiences on the job.

There are many lenders that have only hopped on the VA loan bandwagon since the recession hit and do their best to transfer their knowledge of conventional loans to VA loans. They are not experts. We have been doing business in VA loans since we opened our doors, and know the program back-to-front. Let us share with you what we've learned.

Refinance your current VA loan

Refinance your current VA Loan

VA Loan rates are at a historical low, and that makes now the best time to take advantage of the VA loan program. Even if you're already using a VA loan to finance your home, you can take advantage of today's better interest rates by using the VA streamline refinance option, called the Interest Rate Reduction Refinance Loan (IRRRL). We've had many military borrowers save hundreds of dollars per month just by using the VA streamline refinance option to refinance their VA loan.

If you are interested in finding out how a VA streamline refinance can save you money or shorten your mortgage term, please call us toll-free now or use our online application and one of our loan agents will contact you shortly.

Some of the top benefits of a VA streamline loan are:

  • A lower interest rate which can save you hundreds each month
  • No income or employment verification
  • A shorter loan term which can help you pay off your home sooner

Purchasing a home

Purchasing a Home

It's getting more and more difficult for many to purchase a home. For some, it's borderline impossible. On the flip-side, it's actually never been easier for a veteran or active servicemember to purchase a home. This is because buying a home with a VA loan requires no money down; even closing costs can be rolled into the loan balance, allowing you to purchase a home with virtually no out-of-pocket cost. The VA loan program offers these benefits to you because of your honorable military service – and they are truly the greatest home loan benefits around.

Our specialty here at Low VA Rates is making the process of veterans home loans as quick and easy as possible, and we've worked very hard to make sure it is. So start your stopwatch, apply right now, and see how quickly you get approved for a VA home loan.

Some of the benefits of buying a home with a VA loan are:

  • No Money Down
  • No Mortgage Insurance
  • No Assets Required in most cases
  • Easier Underwriting Guidelines for Approval

Are You Eligible for a VA Loan?

Military Service Requirements for VA Loan Eligibility

Applications involving other than honorable discharges will usually require further development by VA. This is necessary to determine if the service was under other than dishonorable conditions.

Wartime - Service During:

  • WWII (9/16/1940 to 7/25/1947)
  • Korean (6/27/1950 to 1/31/1955)
  • Vietnam (8/5/1964 to 5/7/1975)

You must have at least 90 days on active duty and been discharged under other than dishonorable conditions. If you served less than 90 days, you may be eligible if discharged for a service-connected disability.

Peacetime - Service during periods:

  • 7/26/1947 to 6/26/1950
  • 2/1/1955 to 8/4/1964
  • 5/8/1975 to 9/7/1980 (enlisted)
  • 5/8/1975 to 10/16/1981 (officer)

You must have served at least 181 days of continuous active duty and been discharged under other than dishonorable conditions. If you served less than 181 days, you may be eligible if discharged for a service-connected disability.

Click here to get more info directly from the VETERANS AFFAIRS SITE

Besides these military service requirements, there are other factors to your eligibility. To learn if you are eligible and pre-qualify, give us a call at 866-569-8272.

Mortgage Tools

Mortgage Tools

We have VA loan tools that allow you to determine if now is the right time to use your VA home loan to purchase a home or if you should keep renting. We have a tool that allows you to see how fast you can pay off all of your consumer debt with the help of a VA streamline refinance. We hope you enjoy these VA loan tools.

Get Started Today

Your dream home is a call away

Learn how Low VA Rates can offer you a great home loan!