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Loan Option, Rate, APR ; VA 15-Year Fixed *, 5.125 %, 5.814 % ; VA 20-Year Fixed *, 5.875 %, 6.439 % ; VA 25-Year Fixed *, 5.49 %, 5.971 %

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Under $3,000: The lender will approve the costs using any documented bids that you submit. ; Between $3,000 and $6,000: The lender will approve costs based both on bids and whether the increased mortgage payment will exceed estimated utility cost savings. ; Over $6,000: Your loan application will be subject to extra scrutiny. You’ll have to provide documentation of the VA’s valuation of the improvements.