VA Mortgage Rates

Proud to be a VA-Approved Mortgage Lender!


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Academy Bank offers loans backed by the Department of Veterans Affairs. As a VA-approved home loan lender, we offer a simple process, great mortgage interest rates, and deep expertise in the Department of Veterans Affairs loan eligibility requirements, customer needs, and loan process.

Our VA home loan requires no down payment and we do not charge any lender origination fees - making this one of the best ways for our service members to purchase or refinance a home. Academy Bank offers fixed and adjustable-rate loan options for VA home loans. Plus, with in-house processing and underwriting, we can take you from dream to dream home, faster!


Find a Loan Advisor or call 1-855-376-3168
Already applied? You're done with the hard part! Just log in here and upload documents and see the status of your application easily. No guesswork required. 


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Approved VA lender — you can work directly with us rather than having to also coordinate with the VA
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No downpayment required and 
$0 Lender Origination Fees
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Mortgage Service Guarantee — we'll close your loan on time or pay you $1,000
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Fixed & adjustable interest rates available
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Competitive rates and flexible terms
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Cash out options available
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Choose to purchase or refinance
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Fast approvals and an easy process




















What You Need to Know about VA Home Loans


Make your VA and military benefits work for you:

  • With our no down payment option, you can finance 100% of the purchase price of your home with a VA loan. 
  • The VA has specific qualification requirements for a VA-backed home loan. Talk to a Home Loan Expert who is ready to answer any questions about your qualifications or the process.
  • No mortgage insurance costs - even if you don't make a down payment of 20%. VA borrowers do not pay mortgage insurance, keeping your total costs lower. 
  • If you receive a Basic Allowance for Housing (BAH), you can use your allowance to pay for some or all of your monthly payment.
  • We are deeply committed to helping more active-duty military and veterans finance homes, so we offer flexible credit standards.


Choose from low-cost VA loan options to put a mortgage within reach!

  • The VA home loan program is available to qualified borrowers who are first-time buyers, repeat buyers or those planning to refinance.
  • No pre-payment penalty - make extra payments if or when it works for you to pay off your loan faster!
  • Fixed or adjustable interest rates. VA loans offer fixed or adjustable rates as good as and sometimes better than conventional loans. With a fixed rate, your monthly payment (principal + interest) will not fluctuate. That means it is easier for you to budget your monthly payment. With an adjustable rate, you can take advantage of a low rate for a fixed amount of time. This is especially beneficial if you are planning to be in your home for fewer than seven years.


Work with VA-approved lender and take advantage of our VA Automatic Approval status!

  •  Academy Bank is recognized as an approved VA lender. Because we have VA Automatic Approval status, you can work directly with us rather than having to also coordinate with the VA. We help you get started, and we stay with you throughout the process.
If you are a service member on active duty and want to refinance your VA loan, be sure to check with your legal counsel on benefits that may be affected.


To continue a saved application or view your loan disclosures, log in here.

Trouble knowing where to start? Learn how to get started and what to expect during the home buying or refinancing process in our Education section. For other questions, read our FAQs or call 1-855-376-3168.
Don't see what you're looking for, check out our Compare Mortgage Loans page for more options.




































Subject to credit approval. VA funding fee may apply. VA loan qualification guidelines apply. The lender origination fee is waived for borrowers who qualify for the VA loan product. Borrowers only pay third party closing costs. Third party fees include appraisal fee, title fees, insurance, etc. Owner Occupied Property only. VA loans are offered exclusively to qualified military service members. 100% Loan-to-Value on VA loans only. Additional restrictions and fees may apply.