Talk directly with our nationwide VA mortgage team
Contact PBT Bancorp About a VA Loan
If you have a question about buying, building, or refinancing with a VA loan, call us at 800-697-4371, email info@pbhomeloan.com, or send the question through the secure form below. You can start the conversation without authorizing a credit inquiry or completing a mortgage application.
- PBT Bancorp NMLS #257781
- FDIC member bank
- Licensed in all 50 states
How can you contact PBT Bancorp about a VA loan?
You can call, email, or use the secure form below, and if you would rather meet in person, contact us first so we can schedule a time at our Wilmington office.
The VA handles official benefit and entitlement records that require a Department of Veterans Affairs determination. We will pull the Certificate of Eligibility (COE) for your mortgage review.
Send us your VA mortgage question
Let us know whether you are buying, building, or refinancing and what you would like us to explain. A phone number is optional unless you want us to call or text.
What can a VA loan specialist help you review?
Our VA mortgage team can answer an initial question or review a purchase, construction, refinance, or written loan offer in more detail.
Buying a home with a VA loan
Buying a home starts with the COE, target payment, and available funds. We pull your COE and explain the difference between a pre-qualification and a fully reviewed pre-approval.
Refinancing an existing VA loan
For a refinance, we can compare a VA Interest Rate Reduction Refinance Loan (IRRRL), often called a streamline refinance, with a VA cash-out loan. We show how each option changes the payment, costs, balance, and equity.
Building with a VA construction loan
Construction loans need an early look at the land, builder, plans, contract, budget, appraisal, contingency, and construction period. That tells us whether the project and timeline can qualify for the construction financing currently available.
Understanding a quote or Loan Estimate
Written estimates only become useful when the loan amount and terms match. We line them up and explain the rate, APR, upfront costs, cash needed, monthly payment, loan balance, and lock period.
Does contacting PBT Bancorp affect your credit?
Calling, emailing, or using the contact form does not give us permission to pull your credit. If we need a credit report to complete the review you want, we will explain the authorization and whether we expect a soft or hard inquiry before anything is pulled.
The effect on a credit score can depend on the inquiry type, scoring model, and timing of other mortgage inquiries. We will explain what we need and why before asking you to authorize it.
What will we explain before you apply?
Before you decide whether to apply, we explain the loan, costs, credit review, expected timing, and any requirements that still need to be met.
- We separate the VA requirements from lender or investor requirements
- We tell you which information or documents we need for the review you want
- We explain whether we need a credit report and whether we expect a soft or hard inquiry
- We show the rate, APR, points, lender credits, fees, payment, and estimated cash to close
- We explain how long the rate lock lasts and what could change the quoted terms
- We give you a direct contact who can answer questions through closing
Independent verification
How can you verify PBT Bancorp and Michael Parker?
Our company and individual licensing can be confirmed through public records before you send mortgage documents or complete an application.
Federal registry
NMLS Consumer Access
Verify PBT Bancorp under NMLS #257781 and Michael Parker under NMLS #457569.
Open NMLS Consumer Access
PBT background
About PBT Bancorp
Learn how our bank and nationwide VA mortgage team work, which programs we offer, and what we review for borrowers.
Review PBT Bancorp
Loan officer profile
Michael Parker’s VA lending profile
Read about Michael Parker’s mortgage experience, NMLS registration, VA lending focus, and media background.
Review Michael Parker
Contact and VA loan questions
Can I ask a VA loan question before applying?
You can call, email, or use the contact form to ask an initial question before completing a mortgage application. We can explain the general options first, and if you want a loan decision, we will tell you which information and documents are still needed.
Does contacting PBT Bancorp affect my credit?
A phone call, email, or form submission does not authorize us to pull your credit. If the review later requires a credit report, we will explain the authorization and expected inquiry type before asking you to continue.
What information should I include in my question?
The most helpful question tells us whether you are buying, building, or refinancing, which state is involved, any dates that matter, and the decision you want us to help with. Please do not send a Social Security number, bank account number, or other sensitive financial information through the general contact form.
Can PBT Bancorp help with VA purchase, IRRRL, cash-out, or construction loans?
We work with VA purchase loans, VA IRRRL streamline refinances, VA cash-out refinances, high-balance VA loans, manufactured homes, and VA one-time close construction loans. We review what you want to accomplish, the finances, and the property before recommending an option.
How can I verify PBT Bancorp and Michael Parker?
Use NMLS Consumer Access to verify PBT Bancorp under NMLS #257781 and Michael Parker under NMLS #457569.
Is the contact form a mortgage application?
The contact form gives you a way to ask a question or request a callback, but it does not complete a mortgage application or create a pre-approval, loan approval, or commitment to lend.
What if I need help with my VA benefit or Certificate of Eligibility?
We pull your Certificate of Eligibility and explain what it shows for the mortgage review. If the official VA benefit record needs to be corrected or the VA must make a determination, the VA Home Loan Guaranty program can be reached at 877-827-3702.
Will PBT Bancorp share the information I send?
We handle personal information under the PBT Bancorp Privacy Policy and applicable law. The general contact form should not be used for a Social Security number, bank account number, or another sensitive financial identifier.
Ready for us to review a purchase or refinance?
The secure pre-qualification form gives us what we need to estimate the payment and cash required, then explain the VA loan options supported by the information you provide.
Last reviewed July 30, 2026.