VA Home Loans

Affordable home financing for veterans
You’ve served our country. Now, let us serve you. We can help you buy a new home with zero down, 100% loan-to-value financing and a low interest rate.

Buy or refinance with a VA home loan

If you’re a veteran, active duty military/reservist or National Guard member, 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 loan, so you may be eligible for a lower down payment, lower closing costs and additional loan protections.

Loan features

  • Up to 100% loan-to-value financing*
  • 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 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

Get the affordable financing you deserve

Apply online or call 1-800-277-7703. If you still have questions, schedule an appointment with one of our mortgage specialists for answers.

Apply now    Meet with a specialist

*On approved credit. Actual APR based on credit worthiness.

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How Do VA Loans work?

Veterans Affairs mortgages, most commonly called VA loans, are home loans made available to military veterans and active servicemen and women. These loans are designed mainly for move-in ready properties and can be secured without a down payment or minimum credit score requirement, even with a history of bankruptcy or foreclosure.


VA loans are provided by private lenders, namely banks and credit unions, and are guaranteed by the Department of Veterans Affairs. The VA guarantee means the borrower won’t have to pay mortgage insurance, but they will pay a VA funding fee, typically about two percent of the loan amount.

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