VA Home Loans
VA home loan solutions that honor your service with affordable financing, no down payment options, and personalized guidance every step of the way.
VA Home Loans for Veterans and Active-Duty Service Members
For veterans, active-duty service members, and surviving spouses, the Department of Veterans Affairs (VA) offers mortgages with special financing that require no down payment and no mortgage insurance. At Points West Community Bank, we help those who serve apply for no down payment VA loans and offer a personalized service to all our customers in Colorado, Nebraska, and Wyoming.
VA Mortgage Loan Benefits
A VA mortgage for veterans offers considerable advantages over conventional mortgages. Most VA loans are available with no down payment required and no private mortgage insurance (PMI) which can save you a considerable amount of money. A low-rate VA home loan also offers interest rates below those of conventional mortgages, with both fixed and variable interest rate loans available. VA home loans are available for both first-time homebuyers and those who are refinancing. They also offer much more flexible credit and income requirements than you would find with a traditional mortgage.
How to Apply for a VA Loan
It’s easy to apply for a VA home loan online. Someone from our local lending team will walk you through the process. You may also call us at (970) 541-2520 to begin the process. Here are the basic steps:
1. Gather Your Certificate of Eligibility (COE)
You’ll need to confirm your eligibility with the VA and obtain a Certificate of Eligibility (COE).
2. Meet With A PWCB VA Loan Specialist to Review Your Options
Someone from our local lending team can explain the entire process in person and help you consider your options.
3. Submit Your Application and Required Documents
There are specific forms needed to fill out with a VA mortgage and approval depends on meeting eligibility requirements. We can assist in ensuring that you meet all criteria before applying.
4. Receive Approval and Begin the Homebuying Process
After approval, you’ll receive written confirmation of how much you can borrow. You can show this to realtors and sellers to let them know you’re serious about buying a home and have the means to do so.
5. Close On Your New Home with No Down Payment
The VA requires an appraisal for all home loans to confirm the market value of the property you want to buy. You might also want a separate home inspection to look for structural and electrical issues that are beyond the scope of a standard appraisal. Once these are completed, you can fill out the rest of your paperwork and get the keys to your new home.
Start My ApplicationCalculate Your Monthly Mortgage Payment
Considering a VA home loan? Use our Mortgage Calculator to estimate your monthly payments based on loan amount, interest rate, and term. It’s a helpful tool for veterans and active service members to explore affordable financing options with potential benefits like no down payment.
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Why Choose Points West for Your VA Loan?
We have plenty of experience helping people apply for a VA mortgage and we make all our lending decisions locally, which allows for fast and efficient processing. We’re here to help you with the entire VA loan application process, just as we’ve done many times before.
We Help Those Who Serve across the Tri-State Area
At Points West Community Bank, we’ve been serving the tri-state community across four generations. We serve the communities of the Front Range region of Colorado, including Fort Collins, Loveland, Greeley, Wellington, and Windsor. In Nebraska, we serve the Panhandle and central counties with locations in Sidney, Bridgeport, Fullerton, and beyond. Our Wyoming branches offer personalized service in communities such as Torrington, Pine Bluffs, Douglas, Lingle, and the surrounding areas. Wherever you live across our tri-state region, you’ll find local banking with a personal touch. Find your nearest branch: PWCB locations.
Access the Home Loan You Deserve, with No Down Payment
Whether you’re currently serving in uniform, a veteran, or the spouse of an eligible veteran, we can help you obtain a low-interest VA home loan with no down payment required. Apply instantly online or give us a call at (970) 541-2520 to get started. We will guide you through the entire home loan process and help you consider your options. You can also check out our blog for more great tips on budgeting and personal finance.
Apply for a VA Loan