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Best VA Mortgage Lenders
BRAND PASS · U.S. VA home purchase loans
Best VA Mortgage Lenders
Explore your home loan benefit with confidence.
Compare SoFi VA loans with VA mortgage options through LendingTree’s marketplace. Understand your eligibility, lender costs and next steps before you apply.
For eligible U.S. borrowers and properties. VA eligibility does not guarantee lender approval.
About this comparison: BRAND PASS covers two selected services, not the whole market. “Best” depends on your needs; these are not ranked or independently rated. Links currently go to official company websites and are not affiliate links. BRAND PASS does not offer loans or personal mortgage advice and is not affiliated with the U.S. Department of Veterans Affairs. External links open in a new tab.
Two ways to start shopping
Go directly. Or explore a marketplace.
Choose the route that suits how you want to compare mortgages. Your personalized offer matters more than an advertised rate or a provider’s name.
SoFi VA Loans
For buyers who want to explore VA financing directly with SoFi.
- Visit a dedicated VA mortgage product page.
- Discuss your purchase, eligibility and loan requirements with SoFi.
- Ask for the complete rate, fee and payment breakdown for your circumstances.
Check before applying: Confirm VA product availability for your state and property, credit requirements, Certificate of Eligibility support and closing timeline. Ask which lender will originate your loan and review the current terms.
Explore SoFi VA loans ↗
Continue to SoFi’s official VA mortgage page.
LendingTree VA Options
For buyers who want to explore participating VA mortgage lenders.
- Explore VA loan information and comparison tools.
- Ask matched lenders which VA purchase products are available to you.
- Compare each lender’s terms before choosing where to apply.
Check before submitting: LendingTree is a marketplace, not the lender. VA matches and offers depend on your profile and lender availability. Read data-sharing and contact consent terms before providing personal details.
Explore VA options on LendingTree ↗
Confirm VA availability with each matched lender.
SoFi vs. LendingTree for VA mortgages
Both routes require a lender to assess your application. The main difference is how you explore your options.
| What matters | SoFi | LendingTree |
|---|---|---|
| How you shop | Explore a VA mortgage directly with SoFi | Explore participating lenders through a marketplace |
| Who sets the offer? | The lender handling your SoFi application | The lender providing each mortgage offer |
| Eligibility | VA eligibility plus applicable lender requirements | VA eligibility plus each matched lender’s requirements |
| What to compare | APR, fees, payment and service | APR, fees, payment and service across offers |
| Useful question | What would my VA purchase loan cost? | Which matched lenders have a suitable VA offer? |
Start with eligibility
Your Certificate of Eligibility is a starting point.
Eligible Veterans, service members, National Guard or Reserve members and certain surviving spouses may qualify. Service requirements and exceptions vary; check your status through VA.
01. Confirm your COE
A Certificate of Eligibility helps establish your entitlement based on service. Request it through VA or ask whether your lender can help obtain it.
02. Check lender approval
Your COE does not approve the mortgage. The lender still assesses credit, income and your ability to repay.
03. Check the home
Confirm occupancy, appraisal and property requirements. Ask how your available entitlement affects the proposed purchase.
Check at the source: Review official VA eligibility guidance ↗. Only share service records or financial documents through the provider’s secure application process.
Build a complete budget
No down payment does not mean no costs.
Request a Loan Estimate and review the amount due at closing alongside your ongoing payment. Budget for taxes, homeowners insurance, any HOA fees and maintenance.
Funding fee
A one-time VA funding fee may apply unless exempt. It depends on loan type, prior VA use and down payment. Ask whether you qualify for an exemption.
Closing costs
Review lender charges, points, appraisal and other closing items. Ask which costs you must pay and whether seller credits are available.
Monthly payment
Compare the interest rate, APR and full payment on equivalent loan amounts and terms. Confirm rate-lock conditions and distinguish principal-and-interest quotes from total ownership costs.
Funding fee example, not a quote: For a first-use VA-backed purchase with less than 5% down and no exemption, the published fee is 2.15%. On a $300,000 base loan, that is $6,450. Financing it would increase the balance to $306,450, excluding other costs. After first use, the published fee for less than 5% down is 3.3%. Confirm the fee applicable to your loan.
The funding fee can be paid at closing or financed. Financing it increases the amount you repay. Exemptions include certain disability-related circumstances; consult the official rules.
VA mortgage questions, answered.
Does SoFi offer VA loans?
Yes. SoFi has a dedicated VA loan page. Confirm the current products, eligibility and availability directly with its mortgage team.
Is LendingTree the VA mortgage lender?
No. LendingTree connects borrowers with participating lenders. Confirm that a matched lender offers VA financing for your profile. That lender assesses the application and provides the loan offer.
Can I buy with no down payment?
You may be able to, subject to entitlement and lender requirements. The purchase price relative to the appraised value also matters. Ask the lender whether your specific purchase requires a down payment.
Do VA purchase loans require mortgage insurance?
VA-backed purchase loans do not require PMI or FHA-style MIP. Homeowners insurance and other ownership costs still apply.
Do I need to be a first-time home buyer?
No. A VA benefit can be used beyond your first purchase if you remain eligible and have the necessary entitlement. Ask VA or your lender about reuse and restoration.
Does a COE guarantee approval?
No. It establishes benefit eligibility, not approval of a specific loan. You and the property must still meet the applicable requirements.
Which VA lender has the lowest rate?
There is no universal lowest-rate lender for every borrower. Compare personalized Loan Estimates for equivalent loan amounts, terms and rate-lock periods, including points and fees.
Is this page for UK military mortgages?
No. It covers the U.S. VA home loan program for eligible borrowers and properties. It is not a comparison of UK mortgage products.
Your next step
Explore your VA mortgage options.
Review SoFi’s VA loans or explore participating lenders through LendingTree. Choose based on the personalized offer and support available to you.
Continue on the provider’s website. This page does not collect mortgage applications or personal financial information.
Related comparisons: Mortgage lenders · FHA mortgage lenders · First-time buyer mortgages.
Sources: SoFi VA loans · LendingTree VA information · VA purchase loan guidance · VA eligibility · VA funding fees. Information checked 8 October 2026. Terms can change.
General information only, not personalized financial advice. Approval, rates and availability are not guaranteed. BRAND PASS is not endorsed by VA. Your home secures the mortgage; missed payments can lead to foreclosure.