Affordable home financing for veterans
VA Home Loans
You’ve served our country. Now, let us serve you. How does a VA home loan work? Our VA loans can help you buy a new home with zero down, 100% loan-to-value financing and a low interest rate.
Limited-time offer
Apply for your home-grown home loan and receive a free appraisal, now until July 31, 2025.¹
With an easy, online application and one-on-one guidance, you’ll be home in no time!
Buy or refinance with a VA home loan
If you’re a veteran, active duty military/reservist or National Guard member, you may be wondering how a VA loan works. A VA loan from Mountain America is an excellent option to help you buy or refinance your home. With this type of home loan, the U.S. Department of Veterans Affairs (VA) backs the home loan, so you may be eligible for a lower down payment, lower closing costs and additional loan protections.
VA home loan features
- Up to 100% loan-to-value financing²
- No down payment required as long as sale price doesn’t exceed appraised value
- No private mortgage insurance required
- Fixed- and adjustable-rate options
- Low closing costs
- Quick Close℠ electronic mortgage process
Additional VA loan details
- Nontraditional credit allowed in some cases (includes detailed payment history on rental payments, utility bills, telephone/mobile services and television service)
- No prepayment penalties
- Closing costs may be paid by the seller
- Insured by the VA
Estimate your mortgage payments
Customize your rate
Get the affordable home financing you deserve
Apply for a VA loan online below or call 1-800-277-7703. If you still have questions, schedule an appointment with one of our mortgage specialists for answers.
How do VA Loans Work?
VA loans FAQs
What are the benefits of a VA loan?
The benefits of a VA home loan are:
- Low interest rates
- No down payment
- No mortgage insurance requirements
What is the minimum credit score for a VA loan?
While the U.S. Department of Veteran Affairs does not require a minimum credit score, individual VA loan lenders may have their own requirements. On average, the minimum credit score is 600.
Who is eligible for a VA home loan?
VA home loans are for anyone who has served in the United States military or are currently active duty.
Is it harder to buy a house with a VA loan?
No, purchasing a home will not be more difficult with a VA loan. In fact, the benefits offered by a VA loan may make the home-buying or refinancing process easier.
Home Insurance
Get peace of mind by protecting your home, family and possessions with Mountain America Insurance.
6 Budget Busters
Budgeting for a mortgage involves more than just your monthly payment. Don't forget these six home expenses!
*Loans on approved credit. Actual APR based on creditworthiness. Information and interactive calculators are made available as self-help tools for independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to individual circumstances. All examples are hypothetical and are for illustrative purposes. Seek personalized advice from qualified professionals regarding all personal finance issues. Actual rate, payment and costs could be higher. The payment amount does not include homeowner's insurance or property taxes which must be paid in addition to your loan payment. Get an official loan estimate before choosing a loan. Some limitations on loan amounts may apply based on county limits and/or loan product. FHA county loan limits apply for FHA loans.
Loans on approved credit. Membership required—based on eligibility. Free appraisal on new purchases and construction loans only. Not available on refinance loans. Cannot be combined with other offers. Limit one per household. Offer valid on applications received between 3/1/25 and 7/31/25 for loans that close no later than 8/31/25. Limited-time offer. Offer can change or be withdrawn at any time.
Loans on approved credit. Actual APR based on creditworthiness. Membership required.
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