| Five factors determine your VA loan rate: credit score, loan amount, debt-to-income (DTI) ratio, loan term, and discount points, on top of a structural advantage built into every VA mortgage. Because the VA guarantee reduces lender default risk, VA rates can typically price 0.25% to 0.50% below comparable conventional rates before any borrower-specific factors are […] The post What Determines Your VA Loan Rate? first appeared on Tomo Mortgage | Reports . |