The VA Home Loan benefit is an amazing benefit that guarantees the Lender in case of a Veteran defaulting on their home loan.  However, the VA does not set the rates or market of VA Loans.  That is up to the secondary market, which is where the lender comes in to play.

Real Estate loans are all about appetite for risk.  Many lenders will charge higher fees buried in documentation to cover their risk and pay for marketing to attract Veterans who qualify for the VA loan.

Brokers will shop multiple lenders and cannot hide their fees like large lenders.  So work with a Vetted VA Broker and let them do the shopping for you.  Or, start meeting with many different lenders and compare the pricing for yourself.