Sylvia Carlson
Senior Loan Officer · NMLS #2345678
Exclusively for veterans, active-duty service members, and eligible surviving spouses. Purchase or refinance with the most powerful mortgage benefit in America.
Today's VA Rates — July 14, 2026
VA 30-Yr Fixed
5.625%
APR 5.729%
VA IRRRL Streamline
5.490%
APR 5.714%
Rates subject to change. See Rate Assumptions
Eligible veteran and active-duty borrowers have access to some of the most favorable loan terms available.
Purchase a primary residence with no down payment required — one of the most powerful homebuying benefits for eligible veterans and active-duty service members.
VA loans are backed by the Department of Veterans Affairs, eliminating the need for PMI and saving hundreds of dollars per month compared to conventional loans.
The VA guarantee reduces lender risk, allowing us to offer some of the lowest interest rates available — often beating conventional and FHA products by 0.25–0.5%.
VA guidelines are more lenient than conventional standards. We work with veterans at various credit levels and can advise on the fastest path to approval.
The VA limits the fees lenders can charge veterans, and sellers can pay all of your closing costs. Freedomstar is fully transparent on every fee before you sign.
VA loans are assumable — a future buyer can take over your loan at your existing rate, making your home more attractive to sell in a high-rate environment.
Our military mortgage specialists guide you from eligibility check to closing day.
We pull your Certificate of Eligibility (COE) directly through the VA portal — no paperwork required from you in most cases.
Submit your income, assets, and service documentation for a fully-underwritten pre-approval letter. Takes as little as 24 hours.
Present your pre-approval letter to sellers and agents. VA buyers are respected competitors in every market we serve.
We handle the VA appraisal coordination, title, and funding — typically closing in 21–30 days from accepted offer.
Ready to get started? Talk to a licensed loan officer today — no obligation, no pressure.
Call (888) 659-0033Answer a few quick questions and our AI loan advisor will instantly generate a rate estimate tailored to your profile — no credit pull, no commitment, no spam.
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Have a question we did not cover? Our VA-specialist loan officers are standing by. Call us at (888) 659-0033.
VA home loans are one of the most underutilized benefits available to the men and women who have served our country. Freedomstar Financial specializes in VA purchase and refinance loans across California, Colorado, Virginia, Georgia, Florida, and Texas. Our loan officers understand military life — PCS moves, BAH, and the unique challenges that come with a military career — and will work around your schedule to get your loan closed on time.
California is home to some of the largest military installations in the country — Camp Pendleton, NAS Lemoore, Travis AFB, and more. With no VA loan limit for full-entitlement borrowers, veterans can compete in high-cost San Diego, Los Angeles, and Bay Area markets without a down payment.
Colorado veterans near Fort Carson, Peterson SFB, Buckley SFB, and Schriever enjoy strong real estate markets in Colorado Springs and Denver. VA loans with no PMI and zero down make Colorado homeownership achievable even in competitive neighborhoods.
Virginia's military concentration — Norfolk Naval Station, Fort Belvoir, Quantico, Langley — makes VA loans especially relevant here. Northern Virginia's high-cost ZIP codes benefit greatly from the unlimited entitlement available to eligible veterans.
Fort Moore (formerly Fort Benning), Fort Stewart, Moody AFB, and Robins AFB anchor Georgia's military communities. Savannah, Augusta, Columbus, and Atlanta metros offer strong VA loan value with relatively affordable home prices.
Florida's large military footprint — NAS Jacksonville, MacDill AFB, Eglin AFB, Patrick SFB — means thousands of veterans and active-duty families call the state home. VA loans are a perfect fit for buyers in Tampa, Jacksonville, Orlando, and the Panhandle.
Texas has more active-duty military than any other state — Fort Cavazos (Hood), Joint Base San Antonio, Fort Bliss, and Dyess AFB all attract VA loan borrowers. Austin, San Antonio, Dallas, and Houston are strong VA loan markets.
All rates are subject to change without notice. Rates shown are for illustrative purposes only and are based on a 740+ FICO score, primary residence, single-family home, and a 30-day rate lock. VA loans are subject to VA eligibility requirements. Freedomstar Financial is not affiliated with or endorsed by the U.S. Department of Veterans Affairs. NMLS #1439059.
