Our Low APR Guarantee

Find an APR That Beats Ours,
and We’ll Give You $250

(Yes. Really.)

We know it can be overwhelming researching and comparing APRs and mortgage lenders.

To make it easier on you, we try to offer the lowest APRs in the business. And it's not just lip service.
We back this claim up with cold, hard cash. $250 of it. So go ahead, try to find someone that can beat us. We dare you.

Let's Get Started

Step 1

Get multiple loan estimates

  • Get an offer from us by calling or clicking any "Let's Get Started" button
  • Get loan offers from at least one of our competitors
  • Get a locked loan estimate from the competitor
  • Send the locked loan estimate to your Low VA Rates (LVR) loan officer within 3 days of your loan being locked*
Let's Get Started

Step 2

Loan estimate review

Have your LVR loan officer circle both the offered rate and the origination charges on the competitor's locked loan estimate.

At this point, a member of the LVR management team reviews the documents and they will either make a counteroffer with a lower APR or they will tell you we can't beat it by filling out and giving you our $250 Low APR Guarantee form.

Step 3

Get the lowest rate or $250 bucks

If for some reason we are unable to beat a competitors rate, all you need to do is close and fund your loan with the competitor and return the signed Low APR Guarantee form, along with the final closing disclosure and mortgage note, within 10 days of the lock expiration.

"When lenders compete, veterans save money."

Eric Kandell
President of Low VA Rates

Let's Get Started


This is not a commitment to lend. All loans are subject to credit and property approval. This offer is non-transferable and may not be combined with any other offers. Rates and terms are subject to change without notice. We will not give $250 if we can provide a lower APR.

*if your competitor “locked” loan estimate is older than 3 days, we still are confident we can beat it most of the time, and shopping and pitting lenders against each other works! In order to get the $250 however, we must be comparing apples to apples and in this quickly rising interest rate market, we need to compare our rates within 3 business days.

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