VA Loans & VA Mortgage Payment Calculator

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Lower Your Rate

Take advantage of historically low interest rates with a VA Refinance.

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VA Streamline Refinance Benefits

Less paperwork and faster closing.

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What veterans can do with a VA loan

BUY A HOME Let your military service help you purchase a home.

LOWER YOUR RATE Take advantage of low interest rates with a VA Refinance.

GET CASH Lower your rate and pay off debt with a VA Cash Out Refinance.

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VA loans make homes more affordable for veterans

VA loans help make buying or refinancing a home more affordable for veterans, active duty military personnel, and family members who qualify. Benefits of the VA home loan program include:

0% down payments
Competitive rates
No minimum credit scores
No private mortgage insurance
Faster refinances than conventional loans
Benefits for surviving spouses

Freedom Mortgage is the #1 VA Lender¹ in the USA. We are proud to help veterans and their families achieve the dream of owning a home. We are passionate about serving those who have served our country. And we are committed to offering great customer service and a smooth loan approval process.

^1. Inside Mortgage Finance, 1Q2020

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VA loans versus conventional loans

VA loans are a great choice for veterans who want to live in the house they are buying. Compared to conventional loans, VA loans have no down payments, no minimum credit score requirements, competitive interest rates, no private mortgage insurance, and more.

You can only buy a primary residence with a VA loan. You can't use a VA loan to purchase a vacation home, investment property, or rental property. You can use a conventional loan to buy these types of property if you qualify.

VA loans have limits on the amount of money you can borrow. Conventional loans also have limits, although borrowers who qualify may be able to get a jumbo loan to buy more expensive properties.

Both VA and conventional loans have additional costs added to their loans. Conventional loans have an application fee and closing costs. VA loans include a funding fee that is dependent on the amount of your down payment. This fee can be rolled into the closing costs.

Ask our Loan Advisors about VA home loans and home loan refinancing! Call us at 877-220-5533.

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We look for ways to save veterans money

Freedom Mortgage - retired VA couple walking in park

Our customers benefit from our exclusive Eagle Eye Pledge

When you get a VA loan through Freedom Mortgage, we keep an eye on options which could put more money in your pocket. We call this the Eagle Eye Pledge. When interest rates fall or the value of your home increases, we will provide you with the latest information on our products or services which may allow you to save!

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What Our Customers Say

Check out the reviews from some of our customers.

A company that understands VA needs

Jennifer M, Guyton, GA

Rated by 3 Star out of 5

I learned so much more about this company by going through this process. When I received letters regarding lowering my interest rate, I blew them off. When I returned the brokers call, I expected to just humor her and find out it wasn't worth it. She explained why Freedom Mortgage can offer lower rates without it being a huge process and that they don't sell off loans like most banks do. I am glad to know that I am financed with a company that understands the needs of active duty and veterans.
Wwe received exceptional assistance

Charles J, Indian Head, MD

Rated by 3 Star out of 5

From our first call to Freedom Mortgage, we received exceptional assistance. Ms. Aiello was courteous, professional and knowledgeable about home refinance. As the result of her knowledge of Freedom Mortgage's products, my wife and I were able to successfully refinance our home at a lower interest rate, i.e., from 3.250% to 2.750%. This means savings for our household. We highly recommend Freedom Mortgage both veterans and non-veterans alike for home refi.
Freedom Mortgage is just awesome

Cathey C, Henderson, NV

Rated by 3 Star out of 5

As a Vet, Freedom Mortgage is just awesome. As a member of the military, the goal was to protect the United States of America. Freedom Mortgage has the same goal, to protect the active duty and veterans.

Read All Reviews

Reviews and comments (i) have been submitted by customers voluntarily, (ii) are solely the views of such customers, and (iii) have been screened by Freedom Mortgage Corporation prior to publication in accordance with our guidelines. Customers were not compensated for their reviews/comments but were informed that the submittals may be used in Freedom Mortgage Corporation advertising. Customer experiences are not meant to suggest future performance and may not be representative of your experience.

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VA loan calculator with taxes and insurance

Use our payment calculator to get estimates of how much your monthly payment might be with a VA loan and how much house you might be able to afford. The calculator includes fields to input the potential costs of property taxes and insurance.

When you change the values in any of the fields, the calculator will automatically update the results. Keep in mind you don’t have to make a down payment with a VA loan but making a down payment can reduce the total amount of money you might pay in interest over the life of the loan.