The advertised rates and points are subject to change without notice at any time and are not available to every borrower. The advertised rates are based on certain assumptions and loan scenarios, and the rate you may receive will depend on your individual circumstances, including your credit history, loan amount, down payment and our internal credit criteria. The advertised rates are based on a fixed rate mortgage loan and rates will vary based on the term of the mortgage loan and property location. Other rates, points, and terms may be available. All loans are subject to credit and property approval. Property insurance is, and flood insurance may be, required., Looking for a home loan or a mortgage loan? USAA loan officers are here to help find the best option available to military personnel and their families., USAA is one of the largest VA lenders in the nation, though applicants must become members before getting a mortgage..