VA Loans

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Overview

VA loans help make homeownership more affordable for veterans and military personnel. They have competitive interest rates, no down payments for many veterans, low minimum credit score requirements, and no mortgage insurance, which make them a cost-effective option for veterans.

VA loans can help you buy a home, refinance a home, or get cash from your home’s equity to spend on renovations or education. They are backed by the Department of Veterans Affairs (VA) and offered by private lenders like Freedom Mortgage!

We can help you understand the benefits of VA loans and empower you on your homeownership journey.

* Freedom Mortgage was named the #1 VA lender by Inside Mortgage Finance, 2021.

VA Home Purchases

Veterans, active-duty personnel, and surviving spouses can qualify
Competitive interest rates
0% down payments for many VA homebuyers
Minimum credit score as low as 600
No mortgage insurance
One-time funding fee for most veterans

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VA Refinances ("IRRRL")

Homes with existing VA loans can qualify for easier refinances
Competitive interest rates
Hassle-free process with less paperwork and faster closings
Easy credit score qualification
No mortgage insurance
Low one-time funding fee for most veterans

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VA Cash Out Refinances

Get cash from the value of your home’s equity
Homes with existing VA loans and other mortgage types can qualify if you are eligible for a VA loan
Can finance up to 90% of home value
Minimum credit score as low as 550
No mortgage insurance
One-time funding fee for most veterans

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How much can you save?

Find out how much you might save by refinancing your home to a lower rate. By refinancing, the total finance charges you pay may be higher over the life of the loan. Change the default values to personalize your savings estimate!

All fields are required.

original loan amount

term (years)

years paid

Loan Term in Years

Origination Charge

Ballon Payment

Home Value

Years in Home Before Sale

Property Tax

Homeowners Insurance

current interest rate

new interest rate

closing costs

This calculator is made available as a self-help tool for your personal use. We do not guarantee its accuracy or applicability to your individual circumstances. Resulting calculations are for illustrative and informational purposes only and are not intended as investment or financial advice. Consult a qualified financial advisor before making important personal finance decisions. To get a better understanding of the benefits of refinancing, speak with a loan advisor at Freedom Mortgage.

Refinancing might save you
$241 a month

Ask us what VA rate we can offer you!

The VA rate we may be able to offer is personal to you. Your interest rate is affected by your credit score, your income and finances, as well as the current mortgage market environment. Freedom Mortgage may be able to offer you a VA rate that is lower – or higher – than the rate you see advertised by other lenders. Ask us today what VA rate we can offer you.

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What Our Customers Say

Check out the reviews from some of our customers.

“Extremely impressed with Ian Williams’ candor when explaining the benefits of the IRRRL VA refinancing which lowered our interest rate and monthly payments significantly. Mr. Williams was professional and knowledgeable yet personable making it easy to discuss our concerns. It was a pleasure working with him as well as co-participates of the Freedom Organization. Thank you again for your assistance.”
Michael B., GA

5/5 stars

Professional and knowledgeable
“From the first call to inquire to the final stages of closing, Eric has been a major factor in providing an exceptional experience. I have been inundated with refinance opportunities over the past several months and when I would call "other" companies, I would learn they were not up to par with providing accurate information. It was Eric's precise, honest, and detailed information that led me to make that step to refinance my VA loan. Very grateful for his help.”
Richard P., TX

5/5 stars

An exceptional experience
“VERY easy to work with for a VA IRRRL. Compared to other lenders who requested excessive documentation, Freedom requested the least and took care of just about everything behind the scenes including updating my homeowners insurance policy for me. Freedom also was far more reasonable as to the amount of escrow required at closing. I can't say enough about how easy it was to do this, closing in about 30 days from initial contact!”
David G., OH

5/5 stars

VERY easy