FHA Loans
With lower down payment options, flexible loan terms, and less restrictive credit requirements than a traditional loan, Federal Housing Administration (FHA) loans have long been an attractive option for first-time homebuyers.
FHA loans can also be used to refinance a home or for qualified homebuyers with limited down payment funds.
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VA Loans
For eligible veterans and military personnel
The Veterans Administration (VA) sponsors government insured mortgage loans that can be used to purchase or refinance a home. VA loans are attractive for their flexibility and for loan options with no down payment and no private mortgage insurance. VA mortgage interest rates also tend to be lower. VA loans must be used for a purchase or a refinance of a primary residence.
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USDA Loans
The USDA Loan is a mortgage option available to some rural and suburban homebuyers. USDA Home Loans are issued by qualified lenders and guaranteed by the United States Department of Agriculture (USDA).
USDA Home Loans are particularly favorable to those living in rural or low-income areas. USDA Loans offer no money down, lenient eligibility requirements and competitive interest rates - due to the loan being guaranteed by the USDA.
USDA mortgages stand alone as the only mainstream no money down program available to borrowers that have not served in the military.
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Here’s what to have ready.
- Tax returns for the past two years
- W2s from all employers for the past two years
- Names and addresses of each employer for the past two years
- Pay stubs for most recent full month
- Residence addresses for the past two years
- Most recent bank statements
All loans are subject to application and credit approval.
Online Loan Payments
At Vinton County National Bank, we make managing your mortgage loan easy. Set up electronic loan payments, payment reminders, and other helpful features. It’s a hassle-free way to manage your loan. Click here for online payment resources.
More questions?
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