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VA Home Loan

Enlist the Help of 1st Colonial Community Bank for Your VA Loan

Whether you're actively serving our country or have hung up your uniform, 1st Colonial Community Bank is here to serve you. Our VA Home Loans are designed to make your dream of owning a home a reality. As a community bank deeply rooted in Southern New Jersey and Southeastern, Pennsylvania, we're honored to serve our local heroes.

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Unleashing the Strategic Power of VA Home Loans

VA Loans are more than just a mortgage; they're a salute to your service and a bridge to homeownership. Here's how our VA Loans honor your commitment:

  • No down payment required, a salute to your service and a helping hand on your journey to homeownership
  • Competitively low interest rates, because your service to our country deserves our best.
  • Limited closing costs, because we believe in making your transition to homeownership as smooth as possible
  • No need for Private Mortgage Insurance (PMI), reducing your monthly payments and making homeownership more affordable
  • Relaxed credit requirements, because we understand that your financial journey may have been impacted by your service
  • The VA home loan is a lifetime benefit: just like your commitment to our country, you can rely on this benefit time and time again.

Your Strategic Advantage with VA Home Loans

Qualifying for a VA Loan might be easier than you think. Here are the key requirements to request a Certificate of Eligibility (COE):

  • You served 90 consecutive days of active service during wartime, standing on the front lines for our freedom or you served 181 days of active service during peacetime, ensuring our country's safety during times of peace.
  • You have 6 years of service in the National Guard or Reserves, or served 90 days (at least 30 of them consecutively) under Title 32 orders, demonstrating your unwavering commitment to our nation
  • You are the spouse of a service member who made the ultimate sacrifice while serving or due to a service-related disability

If you believe you meet the requirements, contact 1st Colonial Community Bank, and we'll help you get your Certificate of Eligibility started.

Embark on Your Homeownership Adventure Today

Are you ready to embark on a mission of homeownership? Apply for a VA Loan online today or get in touch with us to schedule a meeting with one of our seasoned lenders at a time and location that is convenient for you. With locations in Collingswood, Westville, Mount Laurel, and Limerick, we offer easy and convenient access for the homebuyers of Southern New Jersey and Southeastern Pennsylvania. At 1st Colonial Community Bank, we're committed to helping you navigate the path to homeownership with the same dedication and commitment you've shown in serving our country.

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Frequently Asked Questions about VA Mortgages

What is a VA Loan?

A VA Loan is a special type of mortgage loan, issued by private lenders and partially backed by the U.S. Department of Veterans Affairs.

Who is eligible for a VA Loan?

Eligibility is based on your service to our country. Check out our requirements section above for the specifics.

What are the benefits of a VA Loan?

VA Loans offer numerous benefits, like a salute to your service. These include no down payment, no PMI, relaxed credit requirements, and competitive interest rates.

Can I use a VA Loan more than once?

Absolutely! The VA home loan is a lifetime benefit, just like your commitment to our country.

How do I apply for a VA Loan?

You can apply online or contact us to set up an appointment with one of our Experienced Lenders at a time and place that is convenient for you. We're ready to serve you as you've served us.

What is PMI and why don't I need it with a VA Loan?

PMI, or Private Mortgage Insurance, is a type of insurance that lenders typically require to protect themselves if a homeowner defaults on their mortgage. But with a VA Loan, you don't need PMI. It's our way of making homeownership more affordable for our heroes.

What is the VA funding fee?

The VA funding fee is like a one-time charge you might have to pay if you get a VA home loan. You can add this fee to your loan, so you don't have to pay it all at once. And if you have a disability related to your service or got the Purple Heart, you might not have to pay this fee at all!

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