BIGGEST Life Decision Veterans Will Have To Make

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VA Housing Education - / @vahousingeducation

30-year fixed-rate VA mortgage Example

$300,000 loan amount
0% down payment
6.552 APR (6.25% interest rate)
360 equal monthly payments of $1,886.87 (principal and interest only; taxes and insurance not included the actual payment obligation will be greater)
Total Payments $690,091.34 over the life of the loan


15-year fixed-rate VA mortgage example

$300,000 loan amount
0% down payment
5.985% APR (5.5% interest rate)
180 equal monthly payments of $2,503.95 (principal and interest only; taxes and insurance not included the actual payment obligation will be greater)
Total Payments $ 461,440.28 over the life of the loan

We’re going live right after today’s Federal Reserve meeting to break down what the Fed decided and what it actually means for Veterans. We’ll translate the FOMC statement and “dot plot” into plain-English takeaways for VA mortgage rates, refinancing (IRRRL), and timing a home purchase this fall.

What we’ll cover

The Fed’s move today + what the new projections signal for the rest of 2025

Why VA mortgage rates react to Treasuries/MBS (not 1:1 with Fed funds) — and what that means for pricing, points, and lock strategy

Refi game plan: When a VA IRRRL (Streamline) makes sense, breakeven math, funding-fee exemptions, and common pitfalls

Buying now: Lock vs. float after the announcement, 2-1 buydowns, seller credits, appraisal + eligibility gotchas (condos, ADUs, PCS timelines)

How quickly lenders reprice after the Fed (what to watch over the next 24–72 hours)

Live Q&A: bring your scenario (credit, DTI, disability income, residual income, condo approvals)

Why this matters
Mortgage rates don’t move in lockstep with the Fed funds rate, but the Fed’s guidance drives Treasury yields and MBS spreads that set real-world VA pricing. We’ll show how to read today’s signals, assess your breakeven, and decide whether to refi or move forward on a purchase.

Helpful links (mentioned on stream)

VA IRRRL overview (official): https://www.va.gov/housing-assistance...

#VAHomeLoan #VeteranHomeBuying #VALoanBenefits #MilitaryHomeownership #VALoanEducation

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-- Disclaimer --

DISCLAIMER: The content of VA Housing Education/VA Housing Education at Waterman Bank Channel is for educational purposes only. VA Housing Education Channel is provided under license by Waterman Bank. Waterman Bank will not extend credit of any kind without speaking to a Waterman Bank mortgage loan originator. The information on the VA Housing Education/VA Housing Education at Waterman Bank Channel should not directly be used to make decisions on home offers, purchasing decisions, is not guaranteed to provide specific results, imply lending terms, qualification amounts, or real estate advice. Any calculations should be verified independently. For real estate purchase advice consult licensed real estate, financial and legal professionals for advice. The views expressed on the VA Housing Education Channel and in all videos are those of the author or person presenting and do not represent those of Waterman Bank and are not intended to provide legal or compliance advice. The VA Housing Education/VA Housing Education at Waterman Bank Channel is not affiliated with or approved by the U.S. Department of Veterans Affairs (VA) or any other government agency. Contact Waterman Bank for your lending needs. Visit www.watermanbank.com or call 815-264-3201. Equal Housing Lender. NMLS #414704. Waterman Bank. Member FDIC.

* This video is sponsored by Waterman Bank. My statements are based on my beliefs and experiences. For more information on Waterman Bank, visit www.watermanbank.com *