The premise is backwards: as a rule, VA and FHA rates run below conventional. On the same day, a well-priced VA quote should come in under a comparable conventional quote. So if your VA rate looks high, the problem is almost certainly the lender, and the program is fine. What tends to be going on: many retail lenders pad the rate on VA and FHA loans and use that margin to advertise sharper conventional pricing. The borrowers entitled to the best pricing can end up with the worst, because they assume a VA rate is automatically a good deal and never compare. The fix is simple. Get a second quote from a broker who can shop the loan across many investors, and sanity-check the direction of pricing on the Mortgage News Daily rate table, right here on our site, which shows VA, FHA, and conventional side by side. If your VA or FHA quote isn't meaningfully better than a conventional quote for the same scenario, treat that as a red flag and have someone re-shop it. We handle VA and FHA loans directly and shop nearly 100 investors, so if a quote looks off, we're glad to show you where your scenario should really price in the free Roadmap conversation, about 20 minutes where we run your real numbers.