Using your VA benefits allows you to buy a home with no money down. The veteran's assistance guarantees the loan up to 25%. But does not provide the actual mortgage. You must find an approved lender qualified to do VA loans. In order to really get the best deal, you must shop around to at least four different lenders. With a VA loan, the interest rate will most likely always be the same no matter where you go. What will be different, however, will be the closing costs. Ask each lender for a detailed list of the required and recommended costs of the loan. Then compare to find the best-priced mortgage. If there is a particular lender you prefer but they are not the lowest in costs you can try to negotiate the costs down using the quotes from the other lenders.