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VA Rate Guide Reviews


bestfor-icon Comparing the best VA loan options

Written by Andrew Omalley

About VA Rate Guide | Read More


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  • LeadPoint, Inc. dba SecureRights 5717 Legacy Drive, Suite 250 Plano, TX 75024
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VA Rate Guide Mortgages Review

VA Rate Guide is a company that focuses on linking people to a wide array of different lenders that provide VA loans. These are a type of mortgage product that the US Department of Veterans Affairs (VA) through private lenders that cater to current or former service members.

The federal government backs them and they can often offer more favorable lending conditions to veterans. VA Rate Guide acts as a marketplace, so you can quickly compare these different options. This review will take you through the various aspects of using this marketplace, so you can see if it’s a good fit for you or not.

VA Rate Guide Mortgages Highlight


Soft Credit Pull


Lender Type


Other Fees


Origination Fee


Prepayment Fee



Pros & Cons

  • con-icon Quickly compare VA loans
  • con-icon Only works with reputable lenders
  • con-icon Doesn't carry out a hard credit check
  • con-icon Easy online process
  • con-icon The website doesn't provide too much information

Mortgage Type

  • Mortgage Purchase
  • Mortgage Refinance
  • Home Equity Loan
  • VA

VA Rate Guide Mortgages Terms & Requirements

As there are over 100 lenders that work with VA Rate Guide, most needs should be looked after through this marketplace. It also means that the exact types of requirements and terms for the loans are going to vary quite significantly.

That means it’s hard to provide definitive metrics regarding the size of loans that you can get, the minimum required credit score, and so on. It’s only when you take the few minutes necessary to complete the 20-question online form and see the result that you can dig a bit deeper and see what you’re entitled to given your current situation.

Both home mortgage purchase loans and refinancing are available to explore, so there’s a good selection of options for people who want to get a VBA loan.

How to Apply

The process from start to finish with VA Rate Guide is relatively straightforward. Everything can be done totally online by filling out a simple form. You’ll go to the website and start filling out the form by stating if you’re looking for a purchase loan or to refinance an existing loan.

Then you need to enter the ZIP code of the property, state the type of property it is, and let VA Rate Guide know what range your credit score falls under. You then answer questions about the prospective home you’re considering buying or details about the property that you already own and are looking to refinance its mortgage.

Another key step is deciding on the size of your down payment and the type of loan that you wish to get. You will have to provide some basic information about your or your spouse’s military experience as you want to compare VA loans. Then after filling out a few more basic questions, your rates will be ready to view.

Qualification Requirements

Due to VA Rate Guide’s role as a marketplace, the exact qualification requirements are going to be different from lender to lender. That’s why you need to take everything on a case-by-case basis.

Once you answer all of the questions from the online form, you will see what lenders will provide you with a loan. This will outline the requirements that are in place for making repayments, the rate of interest, and so on.

Required Information

You don’t need to provide any documents when getting your initial results from VA Rate Guide. Once you submit an official application with one of the lenders, then you will likely have to provide some documents such as proof of address, verify your income, and more.

Application Steps & Time Frames

There are only 20 short questions that you need to answer as part of the VA Rate Guide online process. Then you’ll be matched with one of the reputable lenders that the company works with. Here’s a more detailed look at the timeframe of each respective step:

  • Answer the 20 questions on the VA Rate Guide website form (5 minutes)
  • Analyze the available options and choose one that suits you (20 minutes)
  • Submit your application form (20 minutes)
  • Await your approval (Instant-6 weeks)
  • Get the funds (Instant-6 weeks)

State Availability

Available - Alabama, Arizona, Arkansas, California, Delaware, Florida, Illinois, Iowa, Louisiana, Maine, Maryland, Michigan, Minnesota, Mississippi, Nebraska, New Hampshire, New Mexico, New York, North Dakota, Oklahoma, Oregon, Pennsylvania, South Dakota, Tennessee, Texas, Vermont, Virginia, Washington, West Virginia, Wyoming,

Not Available - Alaska, Colorado, Connecticut, Georgia, Hawaii, Idaho, Indiana, Kansas, Kentucky, Massachusetts, Missouri, Montana, Nevada, New Jersey, North Carolina, Ohio, Rhode Island, South Carolina, Utah, Wisconsin,

Andrew is a freelance writer who has been crafting valuable pieces of content relating to personal finance for more than five years. Previously, he studied Economics & Finance at university and he has professional qualifications relating to financial advice.



What types of VA loans does VA Rate Guide compare?

You can compare VA loans for both home purchases and refinancing existing mortgages.

Who owns VA Rate Guide?

The Texas-based LeadPoint Inc. is the parent company of VA Rate Guide and it has a long track record of working in this sector.

Can you see what lenders VA Rate Guide works with?

Yes, in the footer of the VA Rate Guide website, you will see a link to a page titled ‘Lenders’ that will showcase all of the lenders that VA Rate Guide works with.

Customer Support

While you’re not going to find any FAQ section at VA Rate Guide or a dedicated help center, there is a decent level of information provided about the lenders that it works with. You can see an entire list of these companies if you wish.

The only way that you can currently contact the VA Rate Guide support team will be by email. You can typically expect to receive a response within 24 hours and we found that our issues were quickly resolved, not requiring a ton of back-and-forth communication.

The downside is that you won’t have access to any support via social media, telephone, or live chat. For now, you’ll have to make do with sending the team an email.

Privacy & Security

VA Rate Guide’s website keeps everything very concise. You won’t learn a ton about the company, except for some important information about what types of data it collects and what it does to protect anything that you reveal.
VA Rate Guide has a certification as an Equal Housing Lender and it only works with reputable lenders. These companies have proven themselves to be legitimate and have a track record in the VA loans space.

The website is fully encrypted, which means that any sensitive data that you share is going to be well protected from prying eyes. This is something that is becoming more and more important to people as the years go by.

VA Rate Guide’s parent company is LeadPoint Inc. and it holds an NMLS license, which is a good sign. It has also been in business since 2001, so it has stood the test of time, making sure to always keep its clients happy.

In Conclusion

VA Rate Guide takes a very focused approach with its platform. It doesn’t spread itself too thin by focusing on a huge range of mortgage products. It prefers to only look at VA loans, which makes it a specialist in its field.

VA Rate Guide is well worth checking out if you want to quickly compare a variety of reputable lenders, with the results tailored to your specific situation. This process can save you a lot of time as you don’t need to check each one individually.

Brand Disclaimer

VA RATE GUIDE is an online news and information service providing editorial content and directory information about mortgages and loans. VA RATE GUIDE is not a lender or mortgage broker and does not offer loans or mortgages directly or indirectly through representatives or agents.