Whether any specific rate is available, under 6% included, depends entirely on the rate environment when you lock, and nobody can promise a number in advance. For a current read, check the Mortgage News Daily rate table, right here on our site. Those are Mortgage News Daily's market averages, and they move daily. What we can explain is how VA pricing works, so you can judge any quote: - VA is one of the strongest programs out there: no monthly mortgage insurance, just a one-time funding fee, and that fee is waived if you are exempt (for example, with a service-connected disability). - The VA itself publishes no credit-score pricing tiers. Rate tiers are set by lenders and the market for VA-backed securities, they shift over time, and the best pricing often requires a higher score than people expect, frequently in the 720-to-740-plus range depending on the lender. An actual quote is the only way to know where your score lands today. The trap to watch is the headline-rate game. Big national call-center lenders love to advertise an eye-catching low rate that has two or more discount points baked in, points that get rolled into your loan balance. We lean against paying points in general, and most VA buyers put nothing down precisely to conserve cash, so financing a big point charge to chase a lower rate rarely makes sense. Always ask what points are built into a quote, and treat the zero-point rate as your baseline for comparison. We are glad to price your VA scenario straight and show you the tradeoffs, including a points comparison if that is something you want to see.