VA Home Loans
Are you a veteran looking to purchase or refinance your home?
Eligible veterans of the United States armed forces can qualify for a home loan with little or no money down and below-market mortgage rates. Enjoy the benefits of 100% financing and no monthly private mortgage insurance (PMI).
The VA Funding Fee can be financed or paid at closing, unless the veteran is exempt. This fee is based on information provided on the Certificate of Eligibility.
Already have a VA loan? You may automatically qualify for an Interest Rate Reduction Refinance Loan (IRRRL) which could lower your monthly payments.
First Fed VA Loan Requirements:
- Owner-occupied
- Manufactured homes are eligible
- Purchase, cash-out refinance, and IRRRL; no VA Construction offered at this time
- Property must be located in Washington State
Additional terms and conditions may apply. Connect with one of our experienced Mortgage Loan Officers who can help you check your eligibility and guide you through the application process.
VA Loan Rates
VA Home Loan: Purchase
Apply Now| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year VA Purchase | 6.125% | 6.397% | 0.125 | $500,000 | $3103.37 |
Interest Rates Effective: 07/18/2025
Rates listed are for primary residence in single family home with a 0% down payment and borrower credit score of 780. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
VA Home Loan: Rate & Term Refi
Apply Now| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate VA Refinance | 6.125% | 6.252% | 0.250 | $500,000 | $3038.05 |
Interest Rates Effective: 07/18/2025
Rates listed are for primary residence in single family home with 0% equity and borrower credit score of 780. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest (P&I) only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
VA Home Loan: Cash-out Refi
Apply Now| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate Cash-out VA Refinance | 6.500% | 6.798% | 0.375 | $450,000 | $2905.46 |
Interest Rates Effective: 07/18/2025
Rates listed are for primary residence in single family home with 10% equity and borrower credit score of 780. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest (P&I) only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
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