Wholesale pricing
VA Loan rates change daily — and the rate you’re quoted depends as much on who’s quoting as on the market. Banks quote their own rate sheet; CDL Mortgage shops multiple wholesale lenders on every va loan and shows you the best pricing across the market.
The fastest way to know your real rate is a quick scenario quote: your credit range, loan amount, and property details. We’ll price it across our lender panel the same day, with no credit pull required for an initial quote.
Credit score — higher scores unlock the best va loan pricing tiers; even a 20-point improvement can change your rate.
Down payment / equity — a lower loan-to-value means less lender risk and better pricing.
Loan amount & property type — loan sizing and single-family vs. condo or multi-unit both affect your rate.
Occupancy — primary residences price better than second homes and investment properties.
Points & credits — pay discount points for a lower rate, or take a lender credit toward closing costs.
Lock timing — rates move daily; we watch the market and lock when the timing is right for you.
Want an exact payment based on today's wholesale pricing? Talk to a licensed loan officer.
Estimates only. Mortgage insurance and HOA dues are not included. Your actual payment depends on your final rate, program, taxes, and insurance premiums.
Questions
Yes. Eligible veterans and service members can finance up to 100% of the home’s value with $0 down, making the VA loan one of the most powerful benefits available. There is no monthly private mortgage insurance either.
Veterans, active-duty service members, National Guard and Reserve members, and certain surviving spouses may qualify. You’ll need a Certificate of Eligibility (COE), which we can help you obtain during pre-approval.
The VA funding fee is a one-time charge that helps sustain the program. It varies based on your down payment and whether it’s your first VA loan. Veterans receiving VA disability compensation are typically exempt from the funding fee entirely.
The Interest Rate Reduction Refinance Loan (IRRRL), or VA Streamline, lets existing VA borrowers refinance to a lower rate with minimal paperwork, no appraisal in most cases, and no new Certificate of Eligibility. It’s one of the fastest refinances available.
Yes. VA loan benefits can be reused throughout your life, and you may even have more than one VA loan at a time in certain situations. We’ll calculate your remaining entitlement so you know exactly what you qualify for.
About Us
CDL Mortgage Services Inc. is an independent, full-service mortgage company. Instead of pushing one bank’s products, we shop multiple wholesale lenders to secure the best loan at the best rate for every borrower.
Purchase, refinance, and home equity — all under one roof, focused on the best loans at the best rates.
Based at 6524 Lonetree Blvd, Rocklin, CA 95765 and licensed in California, Texas, Georgia, Tennessee, Oklahoma & Idaho.
Every file is handled start-to-finish by a licensed loan officer who knows your name and your goals.
Fully licensed and regulated, with award-winning lender partnerships and 35+ years serving borrowers.