Best VA Mortgage Refinance Lenders

VA Mortgage Loan

VA loan is a government-backed mortgage options in the United States for qualified ex-service men (veterans), service members, and the spouses.

VA home loans are provided by private lenders, such as banks, mortgage companies but are guaranteed by United States Department of Veterans Affairs, which provides regulatory framework.

Best VA Refinance Lenders

1 Rocket Mortgage

Rocket Mortgage is one of the top VA mortgage refinancing lenders in the United States.

Minimum credit score 620

It offers homes loans in all 50 states in  US and Washington, DC

It has no physical branches

Rocket Mortgage is an ideal option if you like to apply online and have a good credit score

Another con of Rocket Mortgage is that can't apply with non-traditional credit data, like as utility bills.

2 Veterans United Mortgage

Minimum Credit Score


The Veterans United is the largest VA loan lender in the country, which generated more than $26 billion in loan volume in 2022, data from the US Department of Veterans Affairs say. This shows that it’s a great choice for VA borrowers — particularly those who are new to the process.

It’s rated overall VA and 2nd best VA refinance.

Types of Loans Offered

Refinancing options for VA, conforming, and jumbo mortgages, FHA, USDA

VA mortgages, do not require a down payment

It offers mortgage loans in all 50 US states and Washington, DC, and has ranches in 18 US states, which includes:












North Carolina


South Carolina





You can apply for a mortgage and mortgage refinancing through Veterans United online from anywhere in the US, so have nothing to worry about if it has no physical branch in your state.

3 USAA Mortgage

Minimum Credit Score for VA mortgage: 640

Is one of the best VA mortgage lenders with VA refinance options

USAA Mortgage provides mortgage loans in all 50 US states and Washington, DC

Types of Loans Offered

VA, VA jumbo, VA refinance

The only downside of USAA Mortgage is that it does not accept alternative credit data, such as utility bills, if you have a low/no credit score.

Navy Federal Credit Union Mortgage

Minimum credit score: 660

Types of Loans Offered

Conforming, VA, jumbo, Military Choice, Homebuyers Choice, home equity loan, HELOC

You may be eligible for a mortgage if you are an active military member, veteran, family member of someone affiliated with the military, Department of Defense civilian, or housemate of an existing Navy Federal member

Branches around the US and on US military bases abroad

Military Choice mortgage is a 30-year mortgage for military members with no minimum down payment; Homebuyer Choice mortgage is a 30-year mortgage for people who don't qualify for VA loans with no minimum down payment

Apply with non-traditional credit data, such as proof that you pay utility bills

Live customer support 24/7

Minimum credit score listed is for VA loans, which usually do not require a down payment.

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