These are live VA rate options priced from the rate sheets of the wholesale lenders we broker to, updated as new sheets come in. Set your scenario below: the credit score, state and loan amount all change the answer.
Each row is a trade. Paying discount points buys a lower rate; taking a higher rate can mean lower upfront cost. Compare the APR, which folds costs into one number.
Lenders price VA loans by credit score band, so the same loan quotes differently at 740 and at 640. Pick the band closest to yours.
These are wholesale prices for the scenario you set, not a Loan Estimate or a rate lock. Your actual rate is set when you lock on a complete file.
VA does not publish a VA mortgage rate. VA loans carry a rate the Veteran and the lender agree on, so each lender prices from its own daily rate sheet. The same Veteran can see meaningfully different pricing on the same day, which is the whole case for comparing. How the rate rules work is on how VA rates are set, and what paying points gets you is on VA discount points.
VA does not set your rate, but its regulation controls plenty around it: refinance rate tests, late charges, ARM indexes and prepayment.
You may pay reasonable points to buy a lower VA rate. They cannot go in the loan except on an IRRRL, so the math is about cash.
Rates change with every lender rate sheet. A short call turns the option you picked into a real Loan Estimate on your own file.