Rooftop of a house


VA loans honor vets with low-rate, no down payment home loans

Part of the Veteran’s Administration (VA) mission is to help service members, veterans, and eligible surviving spouses become homeowners. The VA assists this dedicated group by providing VA loans through private lenders that help buy, repair, build, keep or modify a home for their personal use.

HomeTrust Bank is honored to provide these fixed rate loans in partnership with the VA for purchasing a new home or refinancing an existing VA or non-VA loan. The VA guarantees a portion of these loans, allowing us to provide favorable VA loan rate terms. If you are a member of the group mentioned above, we invite you to speak to one of our mortgage specialists to learn more about these loans.

VA loan are available to:

  • Applicants must be a current or former member of the Armed Forces with a DD214 and/or a Certificate of Eligibility and:
    • Meet the VA’s length of service or service commitment requirements.
    • Meet the VA’s character of service rules.
  • Surviving spouses of a member of the Armed forces who met length of service requirements.

For qualified veterans with full entitlement, up to 100% financing is available on loans up to the maximum limit set by Fannie Mae and Freddie Mac. Consult with your HomeTrust Bank loan officer to determine the maximum loan amount in your area.

Purchase loans

Receive competitive interest rates on VA-guaranteed loans with no down payment or private mortgage insurance.

To receive this loan you must have good credit, enough income to meet monthly bills, and have a valid Certificate of Eligibility (COE). Talk with one of our mortgage experts for assistance in securing a COE—this online application can establish eligibility and issue a COE quickly.

You may also receive loans such as Cash-Out Refinance or Interest Rate Reduction Refinance Loans.

Let our mortgage experts help you get pre-approved for VA loans now!