VA Loan

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Veteran home loans open the door to a new life

Special financing for the men and women who protect our freedom

A salute to our troops
Active duty personnel, veterans, reservists and some military spouses qualify for VA Loans.
Money-saving options
Enjoy low downpayment options and competitive, fixed rates.
More financial advantages
VA Home Loans feature lower closing costs and don't require private mortgage insurance (PMI).

Now it's our turn to serve you

We're proud to help military families set down roots in the communities we serve. Whether this is your first home after a career filled with deployments or you're just moving down the block to a bigger place, our local lenders will help you navigate the Veterans Affairs (VA) Loan process and get you the affordable financing you deserve for your dedication to our country. 

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Simplify the mortgage process with our helpful app.

  • Real-time loan status updates
  • Automated reminders when items are due
  • Scan and securely send documents with your phone
  • And much more!
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FAQs

Absolutely — Carter Bank offers VA loans for first-time homebuyers who are veterans, active duty service members, or surviving spouses, helping make homeownership more accessible.

Yes, VA loans include a one-time funding fee, which can often be financed into the loan. Some exemptions apply for certain veterans or surviving spouses.
You’ll need a Certificate of Eligibility (COE), an acceptable credit score and debt-to-income ratio, and proof of military service. Carter Bank’s mortgage team can help with documentation and next steps.
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All loans are subject to credit approval.

Mortgage2Go is subject to additional terms and conditions.

Carter Bank is a full-service financial institution with locations throughout Virginia and North Carolina.

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