Safe Rate Local
2025 VA guidelines · Eligible veterans, active duty & surviving spouses
| Use | 0% Down | 5–9% Down | 10%+ Down |
|---|---|---|---|
| First Use | 2.15% | 1.50% | 1.25% |
| Subsequent | 3.30% | 1.50% | 1.25% |
| Exempt | 10%+ VA disability rating · Purple Heart · surviving spouses | ||
| Product | Rate / APR ↑ | Mo. Payment ↕ | Points | ||
|---|---|---|---|---|---|
VA 0% Down VA purchase, no down payment | 0% Down700 FICO30-yr | 6.140% 6.372% APR | $3,923 Principal & Interest | $0 Points | |
VA IRRRL VA streamline refinance | 0% Down640 FICO30-yr | 6.206% 6.347% APR | $3,524 Principal & Interest | $0 Points |
Rates updated daily via Safe Rate's pricing engine using live investor rate sheets, calibrated to Whatcom County's local loan limits and FHFA market data. Your actual rate depends on credit score, down payment, and lender.
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Rates are representative estimates using base pricing sourced from national wholesale lenders. Safe Rate Mortgage is a broker driven platform. Estimated rates incorporate 1.40% lender paid compensation (minimum $2,000, maximum $4,000). At initial launch, no compensation occurs. Demographic and housing data sourced from public HUD and FHFA datasets.