Wednesday 19 April 2023

  • April 19, 2023
  • Sugar Ki

 MBA For Working Professionals

Every single working professional struggles between their work and studies. The MBA for professionals could be one of the best options where these professionals could get the advantage of taking the admission without hampering their work life. The online Manipal helps these professionals to improve their job profiles while pursuing the MBA course.

Course Overview

Choosing your career with the most recognized institution has many advantages. The online Manipal University can provide you with this opportunity.

  • They have various accreditations that endorse their academic credibility, quality of education and academic model.
  • Moreover, the flexibility of easy financing options, scholarships can help every working professional pursue quality education.
  • You can also build impressive resumes while developing your experience and core skills that would take you long in your job career.

Eligibility For An Online MBA

Indian students must have a 10 + 2 + 3-year bachelor’s degree from a recognized university or institution along with 50% aggregate in graduate and 45% for reserved category. Candidates must clear an online aptitude test by Manipal University. Having a valid score of 40 percentile in CAT/MAT/XAT/CMAT/GMAT can be advantageous.

  • FeesOur flexible fee payment option can help students pay in installments. The total course fee for Indian students inclusive of all taxes is Rs. 1,50,000, whereas the fee per semester is Rs. 37,500
  • DurationIt is a 24-month course with 15 to 20 hours per week.

Highlights Of Manipal University

Once you take a course at Manipal University, you can have various networking opportunities with our career assistance. Some highlights of the university are listed below.

  • Empowered EducationGet doubt clearing sessions along with webinars and quizzes that can help you to prepare for the future quest.
  • Learning At An Own PaceAccess the learning material anywhere, anytime. Record the lecture and attend live sessions and talks at any time. Also, use the digital platform on the laptop or phone on even low bandwidth.
  • Real-World Mentors And Experienced FacultiesBoost your communication and confidence with the support of experienced faculty. Get real-world insights with applied knowledge from these renowned mentors.
  • An Enhanced Platform For Digital LearningYou can easily collaborate and interact with the faculty and peer members with us. Learn with the help of practice tests and online quizzes.
  • April 19, 2023
  • Sugar Ki

 Haffner & Morgan is your go-to legal team when it comes to major and minor car accidents. Our team is experience in all of the following common cases:

  • Rear-end
  • Side-impact
  • Head-on collision
  • Multi-vehicle collision

Haffner & Morgan’s car accident attorneys work tirelessly to get you the compensation you deserve.

How We Can Help

Haffner & Morgan stand ready to help, counsel and advise the injured through the process of an auto accident. Haffner & Morgan will immediately launch a legal investigation into your case and the circumstances surrounding the crash. This investigation will be the foundation of a strong case for you by gathering evidence such as driving records, eye-witness statements, media reports, photos or video, and a complete analysis of the road conditions and potential infrastructure problems, which may have contributed to the car accident. These first steps for an auto accident attorney lay the basis for establishing the defendant’s fault. 

Coinciding with this process, the car accident attorneys at Haffner & Morgan will begin the process of communication with the first and third party insurance companies. This establishes the amount of insurance money will be available to the accident victim from the insurance companies after proving liability. If the care you are receiving from your health insurance is inadequate in treating your injuries, the car accident attorneys can refer you to physicians who would be able to treat on a lien basis. That is, they would be treating you for payment to be received after your settlement or jury-verdict. 

Different Kinds of Car Accidents

In addition to the more common car accidents pointed out above, there are a variety of auto accident cases that we serve:

  • Road Rage. In cases of “road rage,” drivers use their vehicle as a weapon. Such drivers will often face serious criminal charges.
  • High Speed Crashes. Recent studies have found that speeding was cited as a factor in 30 percent of all deadly auto accidents in the U.S., and that number is likely a conservative estimate.
  • Texting And Driving. The Majority of states have implemented bans on texting and driving. Ignoring these laws could cost drivers a hefty fine, but it still pales in comparison to the costs associated with major car accidents.
  • Drunk Driving Accidents. Public awareness campaigns over the past several decades have started to decrease the number of alcohol-fueled crashes, but they still remain a serious problem across the country.
  • Rollover Accidents. These are often extremely serious crashes, and a vehicle defect or poor road conditions can sometimes be factors. An experienced attorney can help prove a design or manufacturing defect in your vehicle or the road, street, or highway contributed to a rollover crash.

Choosing the Right Attorney for Your Case

The leading cause of injuries in the United States is auto accidents. It’s not surprising when you think about it: four thousand pound hunks of metal hurtling down the highway can do obviously do great damage to the human body in ways both visible and invisible. Serious injuries to the brain, spinal cord, bones, tendons, muscles and connective tissue are unfortunately all too common. It is particularly difficult for those injured to heal from their injuries while simultaneously deal with the vehicle repair facilities, rental car agencies, insurance adjusters, medical providers and billing and collection outfits.

Those injured in an auto accident by the negligence of another driver often run into the difficulties and roadblocks put up by insurance companies when trying to be made whole for the losses they’ve suffered. In fact, many do great damage to their rights and the value of their cases when they try to “handle it themselves.” Individuals with legal representation receive over three times the recovery than those without. Haffner & Morgan stand ready to help, counsel and advise the injured through the process.

Choosing the Right Attorney for Your Case

At Haffner & Morgan we take a client first approach in everything from rear end motor-vehicle accidents to wrongful death suits. In all matters, we are ethical, aggressive and tireless advocates for our clients. Our expertise and experience make us well equipped to handle even the most complex matters.

  • April 19, 2023
  • Sugar Ki

 

New & Used Car Loan Rates

Loan TypeUp to 36 mos. APR as low as37-60 mos. APR as low as61-72 mos. APR as low as73-84 mos. APR as low as85-96 mos. APR as low as
New Vehicle2.29%2.49%2.79%4.69%5.59%
Late Model Used Vehicle2.69%2.89%3.99%N/AN/A
Used Vehicle3.79%4.09%4.19%N/AN/A

Rates as of Jun 20, 2022 ET.Late Model Used Vehicles: 2021, 2022 and 2023 model years with 7,500-30,000 miles.
Used Vehicles: 
2020 and older model years or any model year with over 30,000 miles. If the vehicle is 20 years or older based on the model year, the vehicle is considered classic or antique and subject to collateral loan rates.

Direct deposit required. This military special may expire at any time. Applicants must contact Navy Federal by phone or visit a branch to receive the discount. Active Duty rate discounts (which are also available for retired military members) can be applied, subject to certain restrictions. 

Credit and collateral subject to approval. Rates subject to change and are based on creditworthiness, so your rate may differ.
New Vehicles: 2021, 2022 and 2023 model years with 7,499 miles or less. Minimum loan amount is $30,000 for terms of 85-96 months.
Payment example: New auto loan of $20,000 for 36 months at 2.29% APR will have a monthly payment of $576.

Late Model Used Vehicles: 2021, 2022 and 2023 model years with 7,500-30,000 miles.
Used Vehicles: 2020 and older model years or any model year with over 30,000 miles.
If the vehicle is 20 years or older based on the model year, the vehicle is considered classic or antique and subject to collateral loan rates.  

Navy Federal Credit Union is in no way responsible for any product, service, purchase or lease provided by or through the Navy Federal Car Buying Service, TrueCar, CARFAX, TruStage, Liberty Mutual or SiriusXM. 

CARFAX is a registered trademark of CARFAX, Inc. 

Liberty Mutual Insurance is made available through the TruStage® Auto & Home Insurance Program. TruStage Auto & Home Insurance Program is made available by TruStage Insurance Agency, LLC. Coverage provided and underwritten by Liberty Mutual Insurance Company or its subsidiaries or affiliates, 175 Berkeley Street, Boston, MA 02116 USA.

© 2022 Liberty Mutual Insurance. Discounts are not available in all states, and discounts vary by state. Certain discounts apply to specific coverages only.

To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow.

Please consult your policy for specific coverages and limitations. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by Navy Federal Credit Union. Navy Federal Credit Union enables this insurance program to be offered and is entitled to compensation from TruStage Insurance Agency, LLC.

Navy Federal Credit Union is in no way responsible for any products or services provided by or through TruStage, Liberty Mutual or their affiliates, subsidiaries, and insurance company partners.

© TruStage Insurance Agency 2022

AUT-3890383.2-0422-0524 

TrueCar operates the Navy Federal Car Buying Service. Navy Federal is not responsible for any purchase, lease or service provided by or through the Navy Federal Car Buying Service.

The views expressed in the reviews are solely those of the individuals posting them. The testimonials are substantively the words of the individual reviewer, but may have undergone minor clerical revisions to ensure readability, add context, or protect private information. Any imagery displayed is for decorative purposes only and is not necessarily associated with the reviewer.

  • April 19, 2023
  • Sugar Ki

 Have you or a loved one gotten hurt on a construction site? Contact the NYC construction accident lawyers at Mirman, Markovits & Landau, P.C. at (212) 227-4000 for a free consultation. You may have the right to recover compensation for your injuries. We promise to fight to get you the money you need and deserve.

Since 1977, our attorneys have been committed to helping injured construction site accident victims in New York. We know how devastating and expensive a construction site injury can be. That’s why we’ll go above and beyond to secure meaningful compensation on your behalf. The money you get can help to cover medical costs, lost wages, and even disability. 

Don’t hesitate to contact our New York City law office to discuss your case today. We’re always available to take your call, 24 hours a day, 7 days a week, 365 days a year.

Table of Contents

You Deserve an Experienced NYC Construction Accident Attorney

Construction workers have the most dangerous jobs in New York City. Despite tough New York labor laws that require employers to provide safe working conditions, accidents happen a lot. Every year, dozens of construction workers are killed on job sites across the city. Thousands more suffer painful and debilitating injuries.

Unfortunately, employers sometimes cut corners to save money. Those shortcuts ultimately put construction workers like you in harm’s way.

When you get hurt on a construction site, fighting for compensation will be one of the most important things you do. Don’t trust just any attorney with your New York construction accident case. Even though you may be entitled to money for your injuries, actually getting cash in your hands can be tough. Insurance companies, construction site owners, and any negligent third parties will fight you every step of the way. 

You deserve to work with a New York City personal injury law firm that has extensive experience handling these challenging cases. At Mirman, Markovits & Landau, P.C., all we do is personal injury law. Our attorneys have been fighting on behalf of injured construction workers across the city for more than four decades. 

We know New York labor and construction laws inside and out. We’re intimately familiar with the workers’ compensation system and what it takes to secure the benefits you deserve. We know how to approach your case and give you the best shot at getting the money you deserve.

Our aggressive approach has helped us secure millions of dollars in verdicts and settlements for our injured clients.

Our record of success speaks for itself:

  • $6.57 Million Verdict on behalf of a Bronx construction worker who got hurt on a job site because of his employer’s negligence.
  • $2.25 Million Verdict obtained on behalf of a Bronx construction worker who got hurt because of unsafe work site conditions.
  • $2 Million Verdict secured for the family of a construction worker who fell off of a ladder and died on a dangerous Brooklyn construction site.

When you turn to us for help after a construction site accident, you can benefit from our nearly 100 years of combined experience. There’s no risk in asking us for help, so call our NYC construction accident lawyers to discuss your case today.

We Handle All NYC Construction Accident Injury Cases

Our NYC construction accident attorneys are prepared to help you demand compensation after you get hurt on the job. We handle all construction accident cases, including:

  • Brazing accidents
  • Building collapse
  • Compressor accidents
  • Crane accidents
  • Cutting accidents
  • Dangerous or defective equipment accidents
  • Dumpster accidents
  • Electrical accidents
  • Elevator accidents
  • Falls
  • Falling objects
  • Forklift accidents
  • Gas explosions
  • Ladder accidents
  • Logging accidents
  • Nail gun accidents
  • Punch press malfunctions
  • Scaffolding accidents
  • Structure failure
  • Welding accidents
  • Wrongful death, and more.

If you’ve been injured on a New York construction site, we’re here to help. We represent injured construction workers in Brooklyn, the Bronx, Long Island, Manhattan, Staten Island, Queens, and Westchester.

Give us a quick call to discuss your construction injury case today.

Who’s Liable For My Injuries After a NYC Construction Accident?

It’s hard to walk through the city and not see something under construction. Construction sites are so common – and so many people work in the construction industry – that the state has passed several labor laws to make the profession as safe as possible. These laws often dictate who might be liable for your injuries after an accident on a city construction site.

General Contractors and Construction Site Owners

When a property owner decides to build or change a structure in the city, they have to make sure that construction employees have a safe place to work. Owners and general contractors are legally obligated under Section 200 of the New York Labor Law to “provide reasonable and adequate protection to the lives, health and safety of all persons employed therein or lawfully frequenting such places.”

In other words, property owners and general contractors have to take steps to ensure that construction sites are safe. If are any potential dangers could harm a worker, those must be addressed. Workers must have the necessary safety equipment to do their job.

Site workers must also be trained to do the job safely. It’s up to the general contractor and whoever owns the property under construction to make sure that the site is in a reasonably safe condition.

Section 240 of New York’s Labor Law is commonly referred to as the “Scaffolding Law.” It lays out how scaffolding and other dangeorus construction site equipment must be erected, secured, and fastened on a site. It also gives injured workers the right to hold property owners and/or general contractors strictly liable if they get hurt by or on:

  • Scaffolding
  • Hoists
  • Stays
  • Ladders
  • Slings
  • Hangers
  • Blocks
  • Pulleys
  • Braces
  • Irons
  • Ropes, or other devices.

This section applies if you worked to erect, demolish, repair, alter, paint, or clean a building or structure. 

Strict liability means that you don’t have to prove the owner or contractor was negligent in any way. 

Subcontractors

Construction sites have a lot of different moving parts. When a general contractor wins a bid, they delegate some of the work to subcontractors. Subcontractors are just as responsible for providing a safe work environment as general contractors. If you get hurt and a subcontractor is to blame, you might be able to hold them accountable for your injuries.

Engineers and Architects

Workers who suffer injuries on a New York construction site may also be able to hold site engineers or architects responsible. These professionals design buildings and structures. When they do so, they must adhere to generally accepted professional standards. In New York City, architects and engineers have to make sure that sites are inspected regularly.

Did you get hurt because of a building collapse or structural issue? Was a faulty design or inadequate inspection to blame? If so, the engineer or architect could be on the hook for your injuries. 

Equipment Manufacturers

Construction sites are filled with tons of different pieces of machinery and equipment. Even the most skilled laborer can get hurt when those machines are defective. When you get hurt on the job because of a defective piece of equipment, you might be able to hold the company that manufactured or sold it strictly liable.

Can I Sue My Employer After I Get Hurt on a New York Construction Site?

It depends. All construction workers can seek workers’ compensation benefits after an accident. If you file a workers’ compensation claim, you typically waive your right to file a personal injury lawsuit against your employer. However, you may still reserve the right to sue someone else if you got hurt because of unsafe working conditions or dangerous equipment.

We’ll Help You Seek Money For All of Your Construction Accident Injuries 

Some New York law firms will only agree to take your case if you’ve suffered a catastrophic injury at work. That’s not fair to you. You deserve money for all of the injuries you sustain on a NYC construction site.

At Mirman, Markovits & Landau, P.C., we’ll pursue compensation for all of your construction site injuries. No case is too big or too small. Call us for help if you’ve been in an accident and suffered:

  • Amputation
  • Back injury
  • Broken bones
  • Burns
  • Chest injury
  • Crushing injury
  • Cuts and lacerations
  • Eye injury
  • Head injury
  • Neck injury
  • Paralysis
  • Spinal cord damage
  • Traumatic brain injury, or other injuries.

Reach out to us today to schedule a free consultation. Can’t make it into our NYC law office to discuss your case? That shouldn’t stop you from getting the help you deserve. When you can’t come to us, our personal injury lawyers will come to you.

We can visit you at home, at work, or even at the hospital while you recover. All you have to do is call us and ask for help. It’s that easy.

Damages Are Available After a New York Construction Accident

Don’t underestimate the costs of a construction accident injury. Medical bills can add up quickly. Even a relatively minor injury can prevent you from working. A sudden loss of income can make it tough to take care of your day-to-day expenses, let alone the costs of your injury.

When you get hurt on a New York construction site, you can seek:

  • Benefits from a workers’ compensation insurance policy, or
  • Compensation from a negligent third party (e.g., owner, contractor, architect).

Workers’ compensation will limit your recovery to money for medical bills, lost income, and disability. 

When you file a lawsuit, you might also be able to receive money for:

  • Pain and suffering
  • Emotional distress, including anxiety and depression
  • PTSD
  • Rehabilitation
  • Nursing care
  • Disfigurement and scarring
  • Loss of consortium
  • Loss of enjoyment of life, and more.

Don’t settle for less than your case is worth. We’ve worked hard to establish relationships with some of the most respected accident experts in the tri-state area. They can provide valuable insight into the more complicated and technical aspects of your case. 

With their assistance, we can better understand your injuries and how they might affect your life. This can, in turn, let us get a better idea of what your case is really worth.

How Long Do I Have to File an Injury Claim?

It depends on how you want to seek compensation.

Workers’ Compensation: You must notify your employer within 30 days of your construction site accident. Then you’ll have a limited amount of time to submit your claim for benefits.

Personal Injury Lawsuit: In New York, the statute of limitations for bodily injury claims is three years.

You will lose the right to get the money you deserve if you wait too long to assert your legal rights.

Call Our NYC Construction Accident Lawyers For Help

Have you or someone you love gotten hurt on a construction site in the city? You’ve got enough to think about without the added stress of an injury claim or lawsuit. Contact the experienced NYC construction accident lawyers at Mirman, Markovits & Landau, P.C. for help. We’ll do everything in our power to get you the money you need and deserve.

Your first consultation is free, so call our law firm for help today. We’ll review your case, explain your rights, and help you decide how to move forward.

  • April 19, 2023
  • Sugar Ki

 As mentioned above, an experienced auto accident attorney handles personal injury claims daily and knows how to work with insurance companies to get you the best settlement offer possible. However, you may still be wondering what steps an auto accident attorney will take once you have retained them as your representation. While every accident has a different set of circumstances, there are common procedures and litigation benchmarks that you can expect of the attorney working on your case.

  • Collecting the Evidence: After you have retained your attorney, they will begin collecting all of the evidence of your case. This includes your statement of the details of the accident, your medical records and bills, the police report, and witness statements. If the other party in the accident has also retained legal representation, your attorney will establish communication with their attorney. Your attorney may also revisit the scene of the accident and take photos of the location for evidence. In some cases, your attorney may contact experts who can provide further insight into your case. 
  • Send the Demand Letter: Once your auto accident attorney has compiled all of the evidence, they will draft and send a demand letter to the insurance company or the at-fault party’s attorney. A demand letter is a professional document that outlines the facts of the case, as well as damages. First, your attorney will outline the economic damages you suffered due to the accident. Economic damages refer to current and future medical costs, damage to your property, lost wages, and loss of earning capacity. Non-economic damages refer to pain and suffering and mental anguish. Both are an important part of the settlement negotiation. The demand letter will conclude with the settlement amount your attorney is requesting on your behalf. The insurance company may agree to the settlement, negotiate for a lower settlement amount, or reject the offer. 
  • Filing a Lawsuit: If your attorney and the insurance company are unable to agree on a settlement, your lawyer will begin filing the necessary paperwork to take your case to trial. 
  • Discovery: After a lawsuit has been filed, both parties will enter into a period called discovery. During discovery, attorneys from both sides will share all of the documentation related to the accident they have gathered in order to look for evidence that supports their claim. 
  • The Trial: If your case is not settled during any of the above litigation steps, your attorney will go to trial, and your settlement amount will be determined by a judge or jury. The phases of a trial are the same for each case. First, attorneys will select a jury unless your case is to be decided by a judge. Once a jury has been established, each attorney will deliver an opening statement, followed by witness testimony, cross-examinations, and finally, closing arguments. Then, the judge will give instructions to the jury regarding applicable laws and how they should determine a verdict. Finally, the jury will deliberate and return with a verdict. 

Most car accident cases are settled outside of court, but that doesn’t mean that you should accept a lower settlement offer than you originally asked for. This is why you want an experienced auto accident attorney to represent you.

Negotiation is a particular skill that many people do not possess. Ali Awad is a competent and fair negotiator, but he isn’t afraid to go to court on behalf of his clients to get them the maximum settlement for their injuries and losses.

  • April 19, 2023
  • Sugar Ki

 Car accident injuries can range from minor to severe. The following list outlines some of the most common or recurring injuries suffered by car accident victims:

  • Traumatic Brain Injuries: Car accidents are the leading cause of traumatic brain injury in the U.S. Traumatic Brain Injury, or TBI, results when the brain is damaged by an injury to the head. The injury can result from a blunt blow or a sharp, piercing wound. 
  • Injury to the spinal cord or neck: The forceful impact of an accident can cause severe damage to the spinal cord and neck. One common neck-related injury, known as whiplash, occurs when the head moves back and forth in a quick, jerking fashion. Damage to the spinal cord can range from minor to severe, with some injuries resulting in partial or total paralysis. 
  • Burns: The body can be burned in many ways during or immediately following an accident. If your skin comes into contact with hot fluids, surfaces, or chemicals, you may suffer burns. If the car catches on fire during the accident, you may incur severe burns that require surgery or skin grafts. 
  • Fractures and Broken Bones: It is no surprise that broken bones and fractures are common in car accidents. Broken legs, ribs, arms, ankles, and risks occur due to forceful impacts and can range in severity from fracture to total break. Some broken bones will require surgery to be reset and heal properly. 
  • Facial Injuries: Broken glass and impact with the steering wheel can cause cuts and other injuries on the face. If severe, surgical correction may be required. 
  • Soft Tissue Injuries: It is easy to think of soft tissue injuries as less severe, but this is not necessarily true. Soft tissue injuries may not become noticeable or apparent until days after the accident. Damage to organs may not be evident to the naked eye and can cause serious, life-threatening injuries. 
  • Post-Traumatic Stress Disorder: Not every injury resulting from a car accident is physical. Many people suffer from mental and emotional trauma after an accident. Post-traumatic stress disorder can be diagnosed by a trained psychiatrist. Symptoms typically include feeling worried or anxious about activities that used to feel normal to you, nightmares, and memories of the traumatic event. 
  • April 19, 2023
  • Sugar Ki

 Because the federal government backs VA home loans, lenders have the luxury of charging competitively low interest rates. Eligible veterans and service members find that rates are generally lower with a VA home loan than a conventional mortgage.

The Department of Veterans Affairs (VA) doesn’t set interest rates. Your lender determines the rate on your VA loan based on your unique financial situation.

Speak with a home loan specialist about current VA loan rates.

Current VA Mortgage Rates

VA loan rates change daily based on market conditions. See current VA loan rates for each VA loan type below.Customize Your Rate by Credit Score:                     720+                     700-719                     680-699                     660-679                     640-659                     620-639                 

View Full Rate Assumptions

VA Loan TypeInterest RateAPRPoints
30-Year Fixed VA Purchase5.375%5.758%1.0000($2950.00)
15-Year Fixed VA Purchase5.250%5.937%1.2500($3687.50)
30-Year Streamline (IRRRL)5.750%5.944%0.6250($1843.75)
15-Year Streamline (IRRRL)5.500%5.863%0.8750($2581.25)
30-Year VA Cash-Out5.750%6.096%0.5000($1475.00)
15-Year VA Cash-Out5.500%6.135%0.8750($2581.25)

What Determines My Rate?

A variety of factors influence VA loan rates, including:

  • Credit score
  • Loan Type (purchase, IRRRL, cash-out, jumbo, etc.)
  • Loan duration (15- or 30-year)
  • Current market conditions

Get your rate: Start your VA Loan quote online

Because of the risk involved in issuing a loan, a good credit score almost always means a lower rate. However, even if your credit report isn’t in perfect shape, you may still have an easier time qualifying for a low rate due to the VA Guaranty.

If credit is a concern, Veterans United offers a no obligation credit consulting service to help get you on the road to preapproval.

See What You Qualify For Today

Answer a few questions below to speak with a specialist about what your military service has earned you.

    1. Select your branch of service:
      1. Army
      2. Marine Corps
      3. Navy
      4. Air Force
      5. Coast Guard
      6. Military Spouse
      7. Other VA Eligibility
      8. No Military Experience

2,974 veterans started their quote online today

Common Questions about VA Loan Rates

Getting a mortgage can be complicated. Veterans United works to simplify the process through education and helping you understand your options.

We’ve compiled some of the most common mortgage rate questions below so that you can make more informed decisions.

Who sets VA loan rates?

Private lenders, such as mortgage companies and banks, set interest rates on VA loans. The Department of Veterans Affairs (VA) does not set the rate but backs a portion of each loan against default.

How do VA loan rates compare with the rest of the market?

On average, VA loan rates are typically lower than both FHA and conventional mortgage rates. VA loan rates are generally lower due to the VA backing a portion of each loan.

How are VA loan rates determined?

A variety of factors go into determining VA loan interest rates. Many of these factors stem from market forces beyond the lender’s control – including inflation, job growth, and the secondary mortgage market.

Beyond market conditions, VA loan rates are determined by your:

  • Mortgage credit scores
  • Previous loan repayment history
  • Loan duration (15 or 30-year)
  • Loan type (purchase, IRRRL, cash-out, jumbo, etc.)

How often do rates change?

VA loan rates can change frequently – sometimes multiple times a day.

Are VA refinance rates different from VA purchase rates?

VA refinance rates are often different than rates on VA purchase loans. The type of VA refinance loan, the borrower’s credit score, the loan-to-value ratio, and other factors can all play a role in VA refinance rates.

See current VA refinance rates in the table below.

Today’s VA Refinance Rates

VA Refinance TypeInterest RateAPR
30-Year Streamline (IRRRL)5.750%5.944%
15-Year Streamline (IRRRL)5.500%5.863%
30-year VA Cash-Out5.750%6.096%
15-year VA Cash-Out5.500%6.135%

View Rate Assumptions

What VA mortgage rate can I get?

Rates are unique to each borrower’s financial situation. Speak to a Veterans United home loan specialist at 1-800-884-5560 to start your rate quote.

What is APR?

It is important to understand the difference between your interest rate and the Annual Percentage Rate (APR). The interest rate on your VA loan is the cost you pay each year to borrow the money and does not reflect fees you may incur to get the loan.

On the other hand, the APR on a VA loan is a broader reflection of borrowing costs, including the interest rate and fees associated with getting the mortgage.

APR can take into consideration the following items:

  • Interest rate
  • Origination fees and costs
  • Closing agent fees
  • Discount points
  • Other fees dependent on the specific transaction

APR is typically higher than your base VA loan interest rate. APR is a tool that can help you compare mortgage offers. But understand that lenders may calculate APR differently.

What are discount points?

Borrowers have the option to buy down their interest rate by purchasing discount points. When you purchase discount points, you are essentially paying interest upfront to receive a lower rate over the life the loan.

Points are generally more advantageous to borrowers who plan to own the home for a longer period of time. Your loan officer can help you determine the break-even point of purchasing discount points, or if points even make sense for your specific situation.

What is a rate lock?

A rate lock guarantees a set interest rate for a specific amount of time – typically ranging from 30 to 60 days. Rate locks are an essential part of the mortgage process, as mortgage rates often fluctuate daily.

How do you lock in your VA loan interest rate?

Buyers have to be under contract in order to be eligible for a rate lock. Once that’s in hand, the timeline can vary depending on a host of factors, including the type of loan, the overall economic environment and more.

If you’re ready to see where rates are right now, or if you have more questions, contact a home loan specialist at 1-855-258-3548 or start your VA Home Loan quote online.

There’s no obligation, and you’ll be one step closer to owning your brand new home.

Why Veterans United?

Locking in your interest rate at the right time is key, which means it’s essential to find a lender who understands your needs and the forces that shape VA loan interest rates.

Some lenders try to entice borrowers with unbelievably low rates that are nearly impossible to qualify for. We’ll work within your financial means and give you an accurate and realistic quote.

With Veterans United, there are no hidden costs or locking fees. By speaking with a Veterans United loan specialist, you’re given total transparency when it comes to your interest rate.

Are you a first-time homebuyer? Read our next section for more information about purchasing your first home with a VA Loan.

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