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Department of Veterans Affairs. However, even if you snag a terrific curiosity price, you need to keep watch over a VA loan’s whole prices, which are represented by a loan’s annual share price (APR). The VA funding price, which is required for many VA mortgage borrowers, can push up your complete mortgage costs and increase your APR. You'll find APR info on Page 3 of your loan estimate. Read more in regards to the distinction between an APR and an interest rate. Improve your credit score. While the VA doesn’t impose specific credit score rating requirements, particular person lenders usually do. You’ll doubtless want at the least a 620 score to get a VA loan. Taking the time to repair your credit can make it easier to qualify for a decrease rate. Get a mortgage estimate from three to 5 lenders, and ensure to compare each APRs and interest charges. 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