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\nVA home loan\n 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.\nNo Down Payment\nOne of the biggest advantages of a VA loan is the opportunity for eligible borrowers to purchase a home with \nno down payment\n, subject to VA eligibility requirements and lender approval.\nNo Monthly Mortgage Insurance\nVA loans do not require \nmonthly private mortgage insurance (PMI)\n, 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.\nPurchase or Refinance\nVA loans aren't limited to first-time homebuyers. Eligible borrowers may use VA financing to \npurchase a primary residence or refinance an existing mortgage\n, depending on the loan program and qualification requirements.\nAdditional Borrower Benefits\nVA 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.\nWho May Be Eligible?\nEligibility is based on \nmilitary service history and VA requirements\n. Veterans, active-duty service members, members of the National Guard and Reserve, and certain surviving spouses may qualify. A \nCertificate of Eligibility (COE)\n is generally used to verify a borrower's eligibility for the VA home loan benefit.\nContact 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.","sources":[{"snapshotId":"36479","sourceKind":"official_issuer","publisherName":"Union State Bank","capturedAt":"2026-10-04T03:23:12.166Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.myunionstate.bank/personal/loans/mortgage-lending-special-financing","passageId":"88d113178330d9bb96f3261b4005ab2b","pageNumber":null,"quote":"A","recordId":"official-issuer:page:url:95e6ba4d2bfcc480a2dfc90e3d1abcc6cabab4f8c8fcddacd26243a5949db743","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"36479","sourceKind":"official_issuer","publisherName":"Union State Bank","capturedAt":"2026-10-04T03:23:12.166Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.myunionstate.bank/personal/loans/mortgage-lending-special-financing","passageId":"999819dfb6af7c9690111e0c4dee09a5","pageNumber":null,"quote":"VA home loan","recordId":"official-issuer:page:url:95e6ba4d2bfcc480a2dfc90e3d1abcc6cabab4f8c8fcddacd26243a5949db743","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"36479","sourceKind":"official_issuer","publisherName":"Union State Bank","capturedAt":"2026-10-04T03:23:12.166Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.myunionstate.bank/personal/loans/mortgage-lending-special-financing","passageId":"93519a12f6ff86a8b93940753798c655","pageNumber":null,"quote":"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.","recordId":"official-issuer:page:url:95e6ba4d2bfcc480a2dfc90e3d1abcc6cabab4f8c8fcddacd26243a5949db743","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"36479","sourceKind":"official_issuer","publisherName":"Union State Bank","capturedAt":"2026-10-04T03:23:12.166Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.myunionstate.bank/personal/loans/mortgage-lending-special-financing","passageId":"0169d1b5a9bfeff25dcb074db849a366","pageNumber":null,"quote":"No Down Payment","recordId":"official-issuer:page:url:95e6ba4d2bfcc480a2dfc90e3d1abcc6cabab4f8c8fcddacd26243a5949db743","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"36479","sourceKind":"official_issuer","publisherName":"Union State 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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.","recordId":"official-issuer:page:url:95e6ba4d2bfcc480a2dfc90e3d1abcc6cabab4f8c8fcddacd26243a5949db743","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"36479","sourceKind":"official_issuer","publisherName":"Union State Bank","capturedAt":"2026-10-04T03:23:12.166Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.myunionstate.bank/personal/loans/mortgage-lending-special-financing","passageId":"edbb85bd814fdb96327b5c0a171ac3c2","pageNumber":null,"quote":"Purchase or Refinance","recordId":"official-issuer:page:url:95e6ba4d2bfcc480a2dfc90e3d1abcc6cabab4f8c8fcddacd26243a5949db743","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"36479","sourceKind":"official_issuer","publisherName":"Union State Bank","capturedAt":"2026-10-04T03:23:12.166Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.myunionstate.bank/personal/loans/mortgage-lending-special-financing","passageId":"d6beef6cbeeb248949972bd89ccee797","pageNumber":null,"quote":"VA loans aren't limited to first-time homebuyers. Eligible borrowers may use VA financing to","recordId":"official-issuer:page:url:95e6ba4d2bfcc480a2dfc90e3d1abcc6cabab4f8c8fcddacd26243a5949db743","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"36479","sourceKind":"official_issuer","publisherName":"Union State Bank","capturedAt":"2026-10-04T03:23:12.166Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.myunionstate.bank/personal/loans/mortgage-lending-special-financing","passageId":"9b27abc491300f0d28afdee78cc1fe26","pageNumber":null,"quote":"purchase a primary residence or refinance an existing mortgage","recordId":"official-issuer:page:url:95e6ba4d2bfcc480a2dfc90e3d1abcc6cabab4f8c8fcddacd26243a5949db743","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"36479","sourceKind":"official_issuer","publisherName":"Union State Bank","capturedAt":"2026-10-04T03:23:12.166Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.myunionstate.bank/personal/loans/mortgage-lending-special-financing","passageId":"e63d95ebd36e2cbc35c4aa25ac391a02","pageNumber":null,"quote":", depending on the loan program and qualification requirements.","recordId":"official-issuer:page:url:95e6ba4d2bfcc480a2dfc90e3d1abcc6cabab4f8c8fcddacd26243a5949db743","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"36479","sourceKind":"official_issuer","publisherName":"Union State Bank","capturedAt":"2026-10-04T03:23:12.166Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.myunionstate.bank/personal/loans/mortgage-lending-special-financing","passageId":"1011c4ca6004a39e74eec4124efdab46","pageNumber":null,"quote":"Additional Borrower Benefits","recordId":"official-issuer:page:url:95e6ba4d2bfcc480a2dfc90e3d1abcc6cabab4f8c8fcddacd26243a5949db743","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"36479","sourceKind":"official_issuer","publisherName":"Union State Bank","capturedAt":"2026-10-04T03:23:12.166Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.myunionstate.bank/personal/loans/mortgage-lending-special-financing","passageId":"0b7fe82ae71ee51d65c2b51ad91d2c49","pageNumber":null,"quote":"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.","recordId":"official-issuer:page:url:95e6ba4d2bfcc480a2dfc90e3d1abcc6cabab4f8c8fcddacd26243a5949db743","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"36479","sourceKind":"official_issuer","publisherName":"Union State Bank","capturedAt":"2026-10-04T03:23:12.166Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.myunionstate.bank/personal/loans/mortgage-lending-special-financing","passageId":"a71340df49519d27c035fcce231833d8","pageNumber":null,"quote":"Who May Be Eligible?","recordId":"official-issuer:page:url:95e6ba4d2bfcc480a2dfc90e3d1abcc6cabab4f8c8fcddacd26243a5949db743","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"36479","sourceKind":"official_issuer","publisherName":"Union State Bank","capturedAt":"2026-10-04T03:23:12.166Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.myunionstate.bank/personal/loans/mortgage-lending-special-financing","passageId":"ac2a7ea70f775bd54bced7f606aaaa37","pageNumber":null,"quote":"Eligibility is based on","recordId":"official-issuer:page:url:95e6ba4d2bfcc480a2dfc90e3d1abcc6cabab4f8c8fcddacd26243a5949db743","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"36479","sourceKind":"official_issuer","publisherName":"Union State Bank","capturedAt":"2026-10-04T03:23:12.166Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.myunionstate.bank/personal/loans/mortgage-lending-special-financing","passageId":"4346f4d8204f61b0bcdd136a4a790228","pageNumber":null,"quote":"military service history and VA requirements","recordId":"official-issuer:page:url:95e6ba4d2bfcc480a2dfc90e3d1abcc6cabab4f8c8fcddacd26243a5949db743","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"36479","sourceKind":"official_issuer","publisherName":"Union State Bank","capturedAt":"2026-10-04T03:23:12.166Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.myunionstate.bank/personal/loans/mortgage-lending-special-financing","passageId":"ef4674f73148b8652098fd34fe4c986c","pageNumber":null,"quote":". 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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.\nNo Down Payment\nOne of the biggest advantages of a VA loan is the opportunity for eligible borrowers to purchase a home with \nno down payment\n, subject to VA eligibility requirements and lender approval.\nNo Monthly Mortgage Insurance\nVA loans do not require \nmonthly private mortgage insurance (PMI)\n, 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.\nPurchase or Refinance\nVA loans aren't limited to first-time homebuyers. Eligible borrowers may use VA financing to \npurchase a primary residence or refinance an existing mortgage\n, depending on the loan program and qualification requirements.\nAdditional Borrower Benefits\nVA 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.\nWho May Be Eligible?\nEligibility is based on \nmilitary service history and VA requirements\n. Veterans, active-duty service members, members of the National Guard and Reserve, and certain surviving spouses may qualify. A \nCertificate of Eligibility (COE)\n is generally used to verify a borrower's eligibility for the VA home loan benefit.\nContact 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.","sources":[{"snapshotId":"36479","sourceKind":"official_issuer","publisherName":"Union State Bank","capturedAt":"2026-10-04T03:23:12.166Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.myunionstate.bank/personal/loans/mortgage-lending-special-financing","passageId":"88d113178330d9bb96f3261b4005ab2b","pageNumber":null,"quote":"A","recordId":"official-issuer:page:url:95e6ba4d2bfcc480a2dfc90e3d1abcc6cabab4f8c8fcddacd26243a5949db743","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"36479","sourceKind":"official_issuer","publisherName":"Union State Bank","capturedAt":"2026-10-04T03:23:12.166Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.myunionstate.bank/personal/loans/mortgage-lending-special-financing","passageId":"999819dfb6af7c9690111e0c4dee09a5","pageNumber":null,"quote":"VA home loan","recordId":"official-issuer:page:url:95e6ba4d2bfcc480a2dfc90e3d1abcc6cabab4f8c8fcddacd26243a5949db743","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"36479","sourceKind":"official_issuer","publisherName":"Union State Bank","capturedAt":"2026-10-04T03:23:12.166Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.myunionstate.bank/personal/loans/mortgage-lending-special-financing","passageId":"93519a12f6ff86a8b93940753798c655","pageNumber":null,"quote":"is a government-backed mortgage program available to eligible Veterans, active-duty service members and certain surviving spouses. 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