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VA Loan Programs for Veterans

PBT Bancorp helps Veterans, active-duty service members, and surviving spouses use their VA benefit to buy, build, and refinance a home. Whatever stage you are at, there is a VA loan that fits, and our team can walk you through the right one for your situation.

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Call 800-697-4371
  • Licensed in all 50 states
  • PBT Bancorp NMLS# 257781
Smiling Veteran couple who used a VA loan program from PBT Bancorp to buy their home

Which VA loan is right for you?

Every program below uses the same core VA benefits, no down payment up to the county loan limit and no monthly mortgage insurance, but each one is built for a different goal. Pick the path that matches where you are, and we will handle the VA side for you.

VA Purchase Loan

Buy your home with $0 down up to the county loan limit and no monthly mortgage insurance, with lenders who work with a wide range of credit profiles.

Explore VA purchase loans

VA IRRRL Streamline Refinance

Already have a VA loan? The VA IRRRL can lower your rate and payment with no appraisal and no income verification, and our No Score program needs no minimum credit score.

Explore the VA IRRRL

VA Cash-Out Refinance

Tap your home equity to pay off higher-interest debt, handle repairs, or move a non-VA loan onto your VA benefit, with credit scores as low as 500.

Explore VA cash-out

VA One-Time Close Construction Loan

Build a brand-new home with the land, the construction, and your permanent mortgage rolled into one loan and one closing, financing up to the finished appraised value.

Explore VA construction loans

VA loans in your state

We are licensed in all 50 states, and we build local pages with real market data, county loan limits, and the bases near you. See our state and city pages to find the details that apply where you are buying or refinancing.

See VA loans by state

Newly built suburban home flying an American flag, representing the homes Veterans buy and build with VA loans from PBT Bancorp

Not sure which loan fits? Let us help

Tell us a little about your situation and we will point you to the right VA program and the next step, with no pressure and no obligation. Give us a call at 800-697-4371 or start your pre-qualification online.

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