VA Loan Lenders – An Unbiased Comparison Guide to choosing the right lender

Searching for a reputable VA Loan lender? You’ve come to the right place. If you’re a veteran, one of the major perks of your military service is having access to the VA Home Loan.

What’s so special about the VA Home Loan?


Having access to a VA home loan means you are not required to put a down payment on the house. That’s something that virtually no other mortgage loan on the market can match. The following list of veterans administration lenders that specialize in VA home loans is meant to serve as a guide in helping you choose the right VA loan lender for you. Salty Veterans is not affiliated with any VA loan lender listed below.

Need a VA Loan Lender? Here are some you can choose from:

Quicken Loans


  • Offers a variety of mortgage loans

  • Streamlined process

  • Mortgage process can be completed entirely online

  • Minimum credit score of 620 for a VA loan

  • Direct Lender



QuickenLoans has been doing business for well over 30 years. This company has a very wide reach across the nation and is very accessible.

The entire mortgage process can be completed online utilizing their Rocket Mortgage platform, which makes the process a breeze.

One of the key features of Rocket Mortgage is that you are able to verify your income and employment on the spot.

If you’re the type of customer who likes face to face dealings, than this company may not be for you.



  • Digital signature acceptance

  • Minimum credit score of 620

  • Fixed and adjustable rate loans (VA Loans, FHA and USDA)

  • Offers free credit score from all three credit bureaus

  • Minimum credit score of 620 for VA Loan


  •  Zillow: 5 out of 5 stars (4,335 reviews)

  • CreditKarma: not available


As a mortgage broker, Guaranteed Rate is the 8th largest mortgage lender in the United States.  Being a mortgage broker means the company has a vast network to find an affordable loan.

Their online application system can be comparable to Rocket Mortgage (Quicken Loans) in that it is respnsive and intuitive. When looking through the reviews on the BBB, a lot of positive reviews were posted on the same day, so that could be a red flag.

Upfront fees such as a $1,040 loan origination fee and $150 application fee.

Veterans First Mortgage


  •   Very experienced with VA Loans

  • Easy to access to services with online and mobile features

  • No fixed loan maximum or minimum loan amounts

  • Virtual loan tracking



 Veterans First offers VA and FHA home loans in fixed rate terms of 15, 20, 25 and also 30 years.

This company takes pride in providing a personal, face to face experience with customers.

Navy Federal


  •  Utilizes underwriting model which allows for greater flexibility in loans

  • Low minimum loan amounts for those seeking affordability

  • Strong expertise in the field of VA loan lending

  • Operates in all 50 states


Zillow: 5 out of 5 stars (70 reviews)

CreditKarma: 4.8 out of 5 stars (47 reviews)

Wallethub: 4.2 out of 5 starts (1,333 Reviews) as of 10/22/2017


Primarily dealing with military members and their families, Navy Federal Credit Union has found a place serving first time home buyers, which comprise 55% of their mortgage business. If you are currently Active Duty or recently separated, this may be a good option to look into.

 Do you have experience with any of these VA Loan lenders? Good or bad, let us know in the comments!

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