VA Loans Made Simple for Veterans Nationwide

At PBT Bancorp, we’re proud to make the VA home loan process straightforward for military personnel, from coast to coast. Whether you’re buying or refinancing, our VA specialists will provide a high level of personalized service.

Today's Interest Rates

While your personal rate may vary, it’s important to think about not just the interest rate you’re being quoted, but also all the other terms of the loan.

Get Pre-Approved for Your Mortgage

Mortgage pre-approval lets you find out what loans and interest rates you qualify for, so you can make stronger offers and find the right home for you.

Welcome to PBT Bancorp

As one of the nation’s most trusted VA focused mortgage companies, PBT Bancorp is dedicated to serving veterans, active duty service members, National Guard members, and surviving spouses who have earned access to the VA home loan benefit. Our expertise ensures you always receive a high level of service with personal attention.

Why Choose VA Loans?

A VA home loan is backed by the Department of Veterans Affairs, which means that qualified borrowers are able to buy a home with no down payment, no private mortgage insurance, and a competitive interest rate. It’s one of the most flexible paths to homeownership and the best loan program for those with military service. If you have a service connected disability and are exempt from the funding fee, this can help you save thousands of dollars initially as well.

VA Loan Options We Specialize In

As VA Home Loan experts we pride ourselves on offering a large variety of home loan programs for our clients along with some of the most competitive interest rates in the industry.

VA Purchase Loans

This loan allows you to purchase a home with no money down, no private mortgage insurance and some of the most competitive interest rates available.

VA One-Time-Close Construction Loans

Build the home of your dreams without needing to get a construction and a permanent loan. This option rolls them both into one so you don’t need to requalify for the loan after the construction process is complete. This also helps you cut down on your closing costs because you only have to close one time.

VA IRRRL (Streamline Refinance)

For those with an existing VA loan this streamlined program allows you to lower your rate and monthly payments without having to requalify. There is no appraisal required, no income or asset verification and we also offer a No Minimum Credit Score program to help Veterans with challenged credit.

VA Cash-Out Loans

Access up to 100% of the cash value of your home. No set debt-to-income requirements, more relaxed guidelines and credit scores down to 500.

Other Home Purchase Options

Even though we specialize in VA home loans we also offer many other types of loan programs:

Conventional Loans

Traditional purchase loan program for borrowers with a downpayment and good credit.

FHA Home Loans

More flexible guidelines, but requires up front mortgage insurance and ongoing monthly mortgage insurance.

USDA Home Loans

100% financing for specific areas. Low interest rates and no monthly mortgage insurance.

Adjustable Rate Mortgages

A purchase loan that has lower initial rates that can adjust after a set period of time. Perfect for borrowers who are only planning on living in a home for a few years.

Other Refinance Options

We offer many other refinance programs as well:

FHA Streamline Refinance

An easy way to lower your rate for borrowers who already have an FHA loan.

USDA Rural Streamline Refinance

For those already in a USDA loan this program allows you to reduce your current rate without an appraisal, income or asset verification.

FHA Cash-Out Refinance

A way for borrowers to access the cash in their home whether or not they are currently in an FHA loan. This program offers more flexible debt-to-income requirements than a conventional loan.

Conventional Cash-Out Refinance Loans

A traditional program that allows borrowers to access cash in their home up to an 80% Loan to Value.

Jumbo Loan

Available for borrowers who are purchasing or refinancing a home that is higher than the conforming loan limits in their county.

Who Qualifies for VA Loans?

Eligibility includes:

Veterans with qualifying military service

Active duty service personnel

National Guard and Reserve members

Eligible surviving spouses

The VA Loan Process With PBT Bancorp

01

Pre-Qualification

We will review your eligibility requirements, your income and assets and determine how much home you qualify for.

02

Streamlined Paperwork

We will go over the documents you need to qualify as well as obtain your certificate of eligibility. There are only a few required documents and we will make sure you know everything we need up front. We will then review your income documents and certificate of eligibility to determine how much entitlement you have available to use.

03

Application

You will then complete our easy to use online application that allows us to do a soft-pull of your credit to determine debts and credit score to help qualify you for the home loan.

04

Fast Closing

We pride ourselves on a fast and efficient home loan process. Often having the closing paperwork available days before your closing date so that you are relaxed and prepared for signing day.

Why Work With PBT Bancorp

Unlike large, impersonal mortgage companies, PBT Bancorp provides a veteran-first approach with a personal touch. We have a national reach, individualized service and our loan officers have decades of experience with the VA home loan program. We can help you buy a house in North Carolina or refinance your investment property in Washington. You will also be able to work with your same loan officer on your purchase as well as your refinance. That’s not something you can do with the large lenders.

Families Across the Country Trust Us

Real veterans and their families who achieved homeownership through the benefits of a VA Loan.

Reach Your Homeownership Goals

Choose from our resources below to help you plan for your next home.

Homebuying Guide

Discover the step-by-step process to getting you that new set of keys.

Refinancing Guide

Need to change your financing? Want to lower your interest rate? We’re here to help.

First-Time Home Buyer

Let us walk you through the exciting process of securing your first home.

Recent VA Loan Articles

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Trusted by thousands of happy homeowners

Ready to take the next step?

Get pre-qualified for your VA home loan today and let our specialists guide you home.

FAQs About VA Loans

What is the VA loan benefit?

The VA home loan benefit is a special program backed by the Department of Veterans Affairs. It allows eligible veterans to buy, build, or refinance a home with unique advantages like no down payment, no monthly mortgage insurance, and some of the most competitive rates available.

Can I buy a home with no down payment using a VA loan?

Yes you can! You will still need some money for closing costs and potentially your VA funding fee but your VA specialist can go over options with you to help minimize these upfront costs.

Do VA loans require PMI?

Nope, you don’t have to worry about that with this program. You’ll never have PMI with a VA home loan.

Can I use a VA loan more than once?

Absolutely! As long as you have entitlement available you can use your VA home loan benefit. When it comes to a refinance loan, your eligibility is determined by a net tangible benefit. As long as you qualify you can use this home loan program as many times as you like.

How do I start my VA loan application?

We make it easy to get started. Just give us a call at 800-697-4371 or complete a pre-qualification form and give us some basic information. Shortly after we receive your request a VA specialist will be giving you a call to go over your options.