VA Home Loans in All 50 States

PBT Bancorp makes VA home loans in every state. We are an FDIC member bank and a wholesale broker, so we shop your loan across more than 35 wholesale lenders to find the right fit for your situation instead of pushing you into a single product.

More than 3,000 military families have bought or refinanced their homes with us. We work with credit scores as low as 500 on VA purchases and cash-out refinances, and most of our borrowers close in two to three weeks rather than the thirty days or more that many large lenders take.

Hover any state on the map below to confirm we lend there, then tap a highlighted state to see its local VA loan details.

Ready to start your VA loan?

Talk with a PBT Bancorp VA specialist about your purchase or refinance, wherever you are in the country. Call 888-435-7315. Company NMLS #257781.

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VA loans by state questions

Does PBT Bancorp lend in my state?

We are licensed in all 50 states, so the answer is yes wherever the orders send you. The deepest local coverage today runs through the Southeast, with full city-level pages across North Carolina, Florida, Tennessee, South Carolina, Virginia, and Georgia, plus state pages for Texas and streamline refinance pages in several more.

Do VA loan limits change by state?

Limits are set by county, not by state. Most counties carry the 2026 baseline of $832,750, while high-cost areas run up to $1,249,125, including the Northern Virginia counties around Washington. A Veteran with full entitlement has no VA cap at all in either zone, the county figure only matters when part of your entitlement is tied up in another home.

Is the VA loan process different from state to state?

The loan itself is federal, so the core rules never change when you cross a state line. What changes is everything around it, property taxes, closing customs, attorney versus title-company states, and local market speed. That is why each of our city pages carries live local data, real tax rates, and the county loan limit, so the numbers you plan with match the state you are buying in.

I am PCSing to a state you do not have a city page for yet. Can you still help?

Yes, the licensing covers all 50 states even where we have not built a local page yet. Call 888-435-7315 and we will pull the county loan limit, the local tax picture, and current market numbers for your exact ZIP code the same day. New state pages get added regularly, and the next ones are chosen by where Veterans actually ask us to lend.

Want us to look at your VA loan options?

Tell us what you are working on and the best number to reach you. We will call, answer your question, and show you the next step. You do not need a credit check to ask.

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We will use this number to follow up about your mortgage question.

Michael Parker, NMLS #457569 | PBT Bancorp, NMLS #257781 | FDIC member bank, licensed in all 50 states

Reviewed by

Michael Parker

VA Mortgage Production Manager · NMLS #457569

Michael Parker is the VA Mortgage Production Manager at PBT Bancorp, an FDIC member bank licensed in all 50 states. He has worked in mortgage lending for 16 years and has helped more than 3,000 families buy or refinance a home. Michael works directly with Veterans, active-duty service members, and eligible surviving spouses on VA purchase loans, VA Interest Rate Reduction Refinance Loans (IRRRLs), VA cash-out refinances, and one-time close construction loans. The VA does not set one minimum credit score for every loan. At PBT Bancorp, we can consider scores as low as 500 on some purchase and cash-out options, and our VA IRRRL program has a No Minimum Credit Score option.

Have a question about your VA loan options? Call Michael at 888-435-7315