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Union State Bank
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| Access to fundsA VA home loan is a government-backed mortgage program available to eligible Veterans, active-duty service members and certain surviving spouses. Backed by the U.S. Department of Veterans Affairs, VA loans offer valuable benefits designed to make purchasing or refinancing a home more affordable for those who qualify. No Down Payment One of the biggest advantages of a VA loan is the opportunity for eligible borrowers to purchase a home with no down payment , subject to VA eligibility requirements and lender approval. No Monthly Mortgage Insurance VA loans do not require monthly private mortgage insurance (PMI) , which can help reduce the monthly cost of homeownership. A one-time VA funding fee generally applies and may be financed into the loan. Some eligible borrowers, including certain Veterans receiving compensation for a service-connected disability, may be exempt from the funding fee. Purchase or Refinance VA loans aren't limited to first-time homebuyers. Eligible borrowers may use VA financing to purchase a primary residence or refinance an existing mortgage , depending on the loan program and qualification requirements. Additional Borrower Benefits VA loans do not have prepayment penalties, allowing borrowers to make additional principal payments or pay off their loan early without a penalty. The VA also provides resources and assistance to help eligible borrowers who experience financial difficulty and are having trouble making their mortgage payments. Who May Be Eligible? Eligibility is based on military service history and VA requirements . Veterans, active-duty service members, members of the National Guard and Reserve, and certain surviving spouses may qualify. A Certificate of Eligibility (COE) is generally used to verify a borrower's eligibility for the VA home loan benefit. Contact a Union State Bank mortgage lender to learn more about VA financing, eligibility requirements and whether a VA home loan may be right for you. | WithheldUnion State Bank · Page Capture Oct 4, 2026 · Captured Oct 4, 2026 | Website |