Our purchase rates

Learn more about our home purchase loans.

Table for Purchase rates
Fixed-Rate Loan Type InterestSee note1  Annual Percentage RateSee note2 Points
 V A Purchase LoanSee note3 6.000% 6.339% 1.007
 V A Jumbo Purchase Loan 6.000% 6.343% 1.134
Conventional Purchase LoanSee note4 6.625% 6.806% 0.959
Low Down Payment Purchase LoanSee note4See note,See note5See note,See note6 6.625% 7.344% 0.856
Table for Purchase rates
Fixed-Rate Loan Type  V A Purchase LoanSee note3
InterestSee note1 6.000%
 Annual Percentage RateSee note2 6.339%
Points 1.007
Fixed-Rate Loan Type  V A Jumbo Purchase Loan
InterestSee note1 6.000%
 Annual Percentage RateSee note2 6.343%
Points 1.134
Fixed-Rate Loan Type Conventional Purchase LoanSee note4
InterestSee note1 6.625%
 Annual Percentage RateSee note2 6.806%
Points 0.959
Fixed-Rate Loan Type Low Down Payment Purchase LoanSee note4See note,See note5See note,See note6
InterestSee note1 6.625%
 Annual Percentage RateSee note2 7.344%
Points 0.856

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Take the next step in buying your new home.

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Our refinance rates

Learn more about our mortgage refinance loans.See note7

Table for Mortgage refinance rates
Loan Type InterestSee note1  Annual Percentage RateSee note2 Points
 V A Interest Rate Reduction Refinance Loan, or I R R R L 6.000% 6.119% 1.020
 V A Cash-Out Refinance LoanSee note8 6.000% 6.460% 1.048
Conventional Refinance LoanSee note4 6.750% 6.967% 1.148
Conventional Cash-out LoanSee note4See note,See note8 7.375% 7.623% 1.136
Table for Mortgage refinance rates
Loan Type  V A Interest Rate Reduction Refinance Loan, or I R R R L
InterestSee note1 6.000%
 Annual Percentage RateSee note2 6.119%
Points 1.020
Loan Type  V A Cash-Out Refinance LoanSee note8
InterestSee note1 6.000%
 Annual Percentage RateSee note2 6.460%
Points 1.048
Loan Type Conventional Refinance LoanSee note4
InterestSee note1 6.750%
 Annual Percentage RateSee note2 6.967%
Points 1.148
Loan Type Conventional Cash-out LoanSee note4See note,See note8
InterestSee note1 7.375%
 Annual Percentage RateSee note2 7.623%
Points 1.136

For  V A Jumbo Interest Rate Reduction Refinance Loan rates, call 800-531-0341.

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Have questions? Or need to refinance?

Speak to one of our loan officers.

Call 800-531-0341

Mortgage payment calculator

The monthly payment amount shown is based on information you provided and is only an estimate.See note9

30-year fixed

For an adjustable-rate mortgage, this estimate only applies to the fixed period. This estimate amount does not include  P M I or the V A funding fee.

Estimated monthly payment

Estimated monthly payment: $0.00

Mortgage rates  frequently asked questions

Resources for homebuyers

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Note  1 The advertised rates and points are subject to change without notice at any time and are not available to every borrower. The advertised rates are based on certain assumptions and loan scenarios, and the rate you may receive will depend on your individual circumstances, including your credit history, loan amount, down payment and our internal credit criteria. The advertised rates are based on a fixed rate mortgage loan and rates will vary based on the term of the mortgage loan and property location. Other rates, points, and terms may be available. All loans are subject to credit and property approval. Property insurance is, and flood insurance may be, required.

Note  2 APR (Annual Percentage Rate) is a rate used to calculate your cost of borrowing in a year. Unlike interest rates, APR factors in the amount borrowed, the interest rate, points, one-time fees, and discounts to determine a more accurate yearly cost. The standardized APR formula is used to make it easier for consumers to compare rates at different businesses.

Note  3 VA loans may include a funding fee, which may be financed up to the maximum allowed loan amount.

Note  4 USAA Bank Mortgage does not currently offer Conventional loans in the state of Hawaii.

Note  5 First-time homebuyer means someone who has not owned a home in the past three years.

Note  6 If all occupying borrowers have not owned a home in the past three years and plan to apply for a USAA Federal Savings Bank, 30-Year Conventional Loan with less than a 5% down payment, at least one borrower on the mortgage loan will need to complete a free homebuyer education course online before closing.

Note  7 A home loan refinance may be useful for many customers who want to lower their monthly debt payments. However, a refinance is secured by your home, has closing costs and may ultimately require paying more in interest over time.

Note  8 USAA Bank does not offer a cash out refinance product in the state of Texas.

Note  9 This mortgage calculator is intended to assist you with estimating monthly mortgage payments. This amount does not include VA funding fee, private mortgage insurance, and other costs associated with owning a home. All examples are based on the information entered and are for illustrative purposes only. This is not an offer to lend.

Members must meet all VA eligibility requirements when applying for a VA loan. Speak with a USAA Bank Loan Officer to review current VA eligibility requirements.

VA IRRRL: All VA rules, guidelines and additional program requirements will apply. Except as provided by applicable VA guidelines, the same parties obligated on the original loan must be the parties on the title and obligated on the new loan. Proceeds from the new loan will only be used toward payment of the original loan amount. No cash back can be received from the new loan. Payment of discount points, taxes, insurance and HOA fees are the responsibility of the borrower. Other exclusions apply. Refinancing either to lower the monthly payment or change from a variable-rate to a fixed-rate loan could result in an increase in the total number of monthly payments and interest charges paid over the full term of the new loan.

USAA Bank Mortgage offers mortgage products to members where the property is located within the Continental United States, Alaska, Hawaii, and the District of Columbia. Excludes properties within U.S. Territories. In certain states, product restrictions may apply.

Membership eligibility and product restrictions apply and are subject to change.

"USAA Bank" means USAA Federal Savings Bank.

Bank products offered by USAA Federal Savings Bank.

Home loans subject to credit and property approval.

USAA is an Equal Housing Lender

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