Built for those who served

VA home loans in Utah.

No down payment. No lender origination fee. No minimum credit score. If you've served, this is the best loan on the market — and most lenders don't run it well.

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Why a VA loan

Keep more cash. Use more benefit.

01*

No lender fee at closing

Rate waives the origination fee, an average savings of $1,640 per VA loan.

02*

No minimum credit score

Full credit history is reviewed, not just a number.

03*

100% financing

Qualified veterans can purchase with no down payment through Rate's Zero Down for Heroes program.

04*

Fast closings

Technology-driven underwriting; VA files can close in days.

05*

A dedicated expert

One person who knows VA, reachable directly.

Loan types

One benefit. Four practical uses.

Buy with zero down and no origination fee.

Access your equity; credit score minimums may apply.

Lower your rate and payment with minimal documentation, for borrowers who already have a VA loan. Available to eligible active-duty service members, veterans, and surviving spouses.

Combine purchase price and improvement costs into one loan at 0% down; funding fee and closing costs can be financed.

Certificate of Eligibility

We pull your COE for you.

You'll need a Certificate of Eligibility to verify your VA loan eligibility. You don't have to track it down alone—we can request it as part of your review.

Get My COE Started

Veteran resources

Useful links, in one place.

VA Loan ApplicationStart the official VA home loan application process.VA RatesReview current VA loan information from Rate.Certificate of EligibilityRequest or review your VA loan eligibility certificate.Utah VA Lending GuideLearn how VA-backed home loans work in Utah.Utah Veteran Job SearchFind employment support and opportunities for Utah veterans.Veteran CareFind health care and support through the VA.Life & Business CoachingExplore veteran-focused coaching from VYKON.Utah Veterans GrantsReview homebuyer programs from Utah Housing Corporation.Reverse Mortgage GuideUnderstand reverse mortgage basics and protections.Utah Veteran DiscountsBrowse Utah veteran recreation benefits and discounts.

Tribute video

Service, work, and home.

Advice before application

See how your VA benefit can work for you.

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Credentials & disclosures

Dan Munford, NMLS #139374 · Licensed in UT, CO, OR, AR, WA & MT

Guaranteed Rate, Inc. d/b/a Rate · NMLS #2611

Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or an interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. Equal Housing Lender.

Savings amounts, closing credits, and program availability referenced on this page vary by applicant and scenario, are subject to credit and underwriting approval, and are not a commitment to lend.