Rooftop of a house


VA loans honor vets with low-rate, no down payment home loans

Part of the Veteran’s Administration (VA) mission is to help service members, veterans, and eligible surviving spouses become homeowners. The VA assists this dedicated group by providing VA loans through private lenders that help buy, repair, build, keep or modify a home for their personal use.

  • VA loans offer small or no down payments, no monthly mortgage insurance, and provide up to 100% financing.

HomeTrust Bank is honored to provide these fixed-rate loans in partnership with the VA. The VA guarantees a portion of these loans, allowing us to provide favorable VA loan rate terms. If you are a member of the group mentioned above, we invite you to speak to one of our mortgage specialists to learn more about these loans.

VA loan requirements include:

  • Being a current or former member of the US Armed forces or surviving spouse.
  • Fulfilling the VA’s length of service or service commitment requirements.
  • Meeting the VA’s character of service rules.

There are several VA loan types, and for loans up to $453,100, qualified veterans may obtain no down payment financing.

Purchase loans

Receive competitive interest rates on VA-guaranteed loans with no down payment or private mortgage insurance.

To receive this loan you must have good credit, enough income to meet monthly bills, and have a valid Certificate of Eligibility (COE). Talk with one of our mortgage experts for assistance in securing a COE—this online application can establish eligibility and issue a COE quickly.

You may also receive loans such as Cash-Out Refinance or Interest Rate Reduction Refinance Loans.

Let our mortgage experts help you get pre-approved for VA loans now!