PBT Bancorp mortgage help
PBT Bancorp Mortgage
PBT Bancorp Mortgage helps Veterans, active-duty service members, and surviving spouses buy, build, or refinance a home with the VA loan benefit. We specialize in VA purchase loans, VA streamline refinances, VA cash-out refinances, and one-time close VA construction loans.
PBT Bancorp Mortgage help for VA borrowers
We help Veterans, active-duty service members, and surviving spouses talk through VA purchase, VA IRRRL, VA cash-out, and one-time close VA construction loan options.
Call us at 800-697-4371, open the request information form, or get pre-qualified online and we will get you to someone who works with VA loans every day.
How does PBT Bancorp Mortgage help VA borrowers?
We help eligible Veterans, active-duty service members, National Guard members, reservists, and surviving spouses use the VA home loan benefit. We start with discussing your specific situation to see what options will work best for you. Then, we review your credit, entitlement, timeline and payment information so you know exactly what to expect. If credit is part of the conversation, we can also talk through lenders that go down to 500 on some VA purchase and cash-out loans, No Minimum Score VA IRRRL options, and VA construction options that can work as low as 580.
VA purchase loans
Buy a primary home with no down payment and no monthly mortgage insurance when you qualify. We have lenders who accept scores as low as 500 on some VA purchases, where many lenders require 620 or higher.
VA IRRRL
If you already have a VA loan, the VA IRRRL, sometimes called a VA streamline loan, can lower your rate and payment with no appraisal, no income verification, and no asset verification required by the VA. We have lenders that offer No Minimum Score VA IRRRL options.
VA cash-out refinance
A VA cash-out refinance helps you use equity from your home to pay off debts, access cash, or to refinance from another loan type into a VA loan.
VA construction loans
We offer one-time close VA construction loans that allow you to build a stick built home or manufactured home on your land. This is a program many lenders do not offer and we can also work with credit scores as low as 580.
Why borrowers call PBT Bancorp Mortgage
Our team has decades of experience working with Veterans and has helped over 3,000 families buy a home or refinance and save money. PBT Bancorp is an FDIC member bank and a wholesale broker, so you get the stability of a bank with the ability to shop your file through a wider lender network.
Many lenders can quote a VA loan, but not all of them handle the full range of VA situations well. Because we have access to over 35 wholesale lenders, we can usually find a path that a single lender may not offer, particularly when credit, timing, or the loan type is not standard.
- Access to over 35 wholesale lenders
- No Minimum Score VA IRRRL options for eligible borrowers
- Lenders who accept scores as low as 500 on some VA loans
- VA purchase, VA refinance, VA cash-out, and VA construction help
- Licensed in all 50 states
- Plain English guidance before you commit to anything
What happens when you reach out?
You do not need to know every VA rule before you call. We have streamlined our process so the first conversation is simple, and in many cases we can tell you the basic path in as little as 15 minutes. Our goal is for this to be the easiest loan you have ever completed.
Tell us your goal
Buying, refinancing, lowering a payment, using equity, or building a home all start with a different conversation.
We review the VA path
We look at entitlement, credit, income, timeline, and the loan type that fits what you are trying to do.
We compare options
Because we work with over 35 wholesale lenders, we can match your file to lender guidelines instead of forcing one answer.
You get the next step
You will know whether to apply, refinance, wait, gather documents, or talk through a different VA option first.
PBT Bancorp Mortgage questions
Can PBT Bancorp Mortgage help with VA purchase, refinance, IRRRL, cash-out, and construction loans?
Yes, we help eligible Veterans, active-duty service members, and surviving spouses compare VA purchase, VA refinance, VA IRRRL, VA cash-out, and VA construction loan options.
How do I talk to someone about a PBT Bancorp mortgage?
Call 800-697-4371, open the request information form, or complete the online pre-qualification form. We can usually tell you the best next step pretty quickly.
What VA loans does PBT Bancorp Mortgage handle?
We work with VA purchase loans, VA IRRRL streamline refinances, VA cash-out refinances, one-time close VA construction loans, manufactured home loans, and high-balance VA loans.
Does PBT Bancorp help with VA streamline refinancing?
Absolutely, in fact we specialize in VA refinance loans. A VA IRRRL can help eligible borrowers refinance an existing VA loan with no appraisal, no income verification, and no asset verification required by the VA.
Can PBT Bancorp Mortgage help if my credit is not perfect?
We have lenders who accept scores as low as 500 on some VA purchase and VA cash-out loans. On VA IRRRL loans, we have lenders that offer No Minimum Score options for eligible borrowers.
Is PBT Bancorp Mortgage licensed in all 50 states?
Yes, PBT Bancorp is licensed in all 50 states. We work with Veterans, active-duty service members, surviving spouses, and military families across the country.
Ready to talk through your VA loan options?
Give us a call at 800-697-4371 or complete our online pre-qualification form to get started. We can talk through your VA loan options, explain the next step, and help you decide whether it makes sense to apply now or gather more information first.