Mortgage rates for a government (FHA or VA) home loan.

Mortgage and Home Loan

The free information on this web site has been compiled to help people find the best loan rates for a home loan. Mortgage and Home Loan is not a broker or lender.

Find a Mortgage Quote
The fastest way to get custom quotes from multiple lenders for financing a home loan.

Mortgage Loan Rates
Find the best loan rates from thousands of lenders and brokers...

Purchase or Refinance Mortgage and Home Loans
Find the best real estate loans. Select from fixed or adjustable interest rates. Jumbo and Super Jumbo also available.

Mortgage Loan Rates for Less than Perfect Credit
Find experienced lenders with the best "subprime" purchase and refinance home loan rates.

Equity& Home Improvement Loans
Fast cash today to CONSOLIDATE BILLS, or get up to 125% of your home's value and make home improvements or REMODEL. Quickly learn how to make your home's equity become fast cash.

FHA Mortgages
Lenders have home loans with low interest rates and low down payments for first time buyers.

VA Mortgages
The best rates available for a government loan. Get financing today for veterans, active, or reserve military.

Find a Mortgage Lender
The best lenders and brokers ready to help you find the perfect home loan.

Real Estate Loan Information
Learn expert advice from industry insiders to negotiate the best loan rates.

Mortgage and Home Loan Calculators
Use these calculators to find out how low your mortgage payments will be.

Advertise | Links | Privacy | Disclaimer | Home

Mortgage and Home Loan Rates Comparison

Find low mortgage rates for FHA and VA home loans. If you have less than perfect credit, please click here.

Mortgage and Government Home Loan Tip

VA Loan Questions and Answers

How do I apply for a VA guaranteed loan?
You can apply for a VA loan at any mortgage lender that participates in the VA home loan program. At some point, you will need to get a Certificate of Eligibility from VA to prove to the lender that you are eligible for a VA loan.

How do I get a Certificate of Eligibility?
The lender you select can help you get it.

Can you have multiple VA loans?
Yes, depending on the circumstances. If you have paid off your prior VA loan and disposed of the property, you can have your entitlement restored for additional use. To obtain restoration of entitlement, the veteran must send VA a completed VA Form 26-1880, along with evidence that the property has been disposed of and the loan repaid in full. This evidence can be in the form of a pay-off statement from the former lender, or a copy of the HUD-1 settlement statement completed in connection with the sale of the property. The application can be presented to any VA Regional Office. A veteran can also obtain restoration of entitlement, on a one-time basis, if the prior VA loan has been paid in full but the property has not been sold.

Can I get a VA loan if I have had a bankruptcy in the last few years?
VA credit standards state that a veteran with a bankruptcy less than 3 years ago would generally not be considered a satisfactory credit risk unless: the veteran or spouse has obtained items on credit since the bankruptcy and has paid the obligations in a satisfactory manner for a continued period; and the bankruptcy was caused by circumstances beyond the control of the borrower, which would have to be verified. A bankruptcy discharged discharged 3 to 5 years ago must be given some consideration in the underwriting of the loan. A bankruptcy discharged more than 5 years ago may be disregarded. These are the minimum standards that lenders must follow when making a VA loan. In 95% of the cases, lenders make the decision to approve a loan without VA's prior approval. Keep in mind that lenders also have money at risk in giving you a VA loan, so they may have stricter credit standards than those mandated by VA.

Do I need to occupy the property?
The law requires that you certify that you intend to occupy the property as your home. This requirement is considered satisfied if you actually intend to occupy the property as your home and in fact so occupy it when the loan is closed or within a reasonable time afterward.