VA Mortgage Loans: Helping You Build Your Home

At 1^st National Bank, we’re proud to serve those who’ve served. VA Mortgage Loans are an important way we help veterans, active-duty service members, and eligible spouses achieve the dream of homeownership. These loans come with unique benefits that make buying or refinancing a home more affordable and accessible.

What Are VA Mortgage Loans?

VA Mortgage Loans are backed by the U.S. Department of Veterans Affairs and are designed to help eligible borrowers purchase or refinance a home. With flexible terms and special features, these loans make homeownership possible, even for those who might not qualify for conventional financing.

Why Choose a VA Mortgage Loan?

Here’s what sets VA loans apart:

• No Down Payment: You can buy a home without having to save for a large upfront payment.
• No Private Mortgage Insurance (PMI): Save on monthly costs compared to traditional loans.
• Competitive Rates: VA loans often come with better interest rates.
• Flexible Credit Guidelines: Designed to accommodate the needs of our service members.
• Support If You Need It: The VA offers guidance if you experience financial hardship.

Are You Eligible?

To qualify, you’ll need a Certificate of Eligibility (COE) from the VA.

Here are the VA Loan Eligibility Basics:

• Served at least 90 days during wartime or 181 days during peacetime.
• Have more than six years in the National Guard or Reserves.
• Are the spouse of a service member who passed away in the line of duty or from a service-related cause.

Not sure if you qualify? We’re happy to guide you through the process.

How to Get Started

1. Talk to Us: Stop by or give us a call to discuss your needs.
2. Get Your COE: We’ll help you understand how to apply for your Certificate of Eligibility.
3. Find Your Home: Whether you’re buying or refinancing, we’ll make sure you’re covered.
4. Close with Confidence: Our team will be with you through every step of the process.

Why Work With Us?

At 1^st National Bank, you’re not just a customer—you’re part of our community. We take pride in offering personal service tailored to your needs. Our team is experienced with VA loans and ready to help make your experience as smooth as possible.

Let’s Work Together

If you’re thinking about a VA Mortgage Loan, we’re here to help. Come visit us or give us a call. Let’s work together to make your homeownership goals a reality.