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Attention:

Old Point will be closing early at 2:00 PM on December 24th and closed on Wednesday, December 25th. Wishing you and your loved ones peace and joy this holiday season!

VA Loan

  • Old Point National Bank - VA Loan

VA Loan Program

The VA loan is a mortgage loan program, available to active and retired military, reservists, and surviving spouses, that's guaranteed by the U.S. Department of Veterans Affairs (VA). VA loans offer 100% financing with flexible qualifying criteria and favorable loan terms.

 

Program Highlights:

  • 100% financing
  • Seller of a home can pay closing costs: up to 2 discount points, the prepaids, and an additional 4% (toward the buyer's discretion)
  • Homebuyers can add up to $6,000 to their Va loan to have energy-efficient improvements installed
  • No monthly mortgage insurance
  • Less restrictive qualifying terms
  • Homebuyers are still eligible, even after a short sale

Program Eligibility:

To be eligible you must have sufficient entitlement available with VA and be a(n):

  • Veteran (single or married)
  • Active duty service member
  • National Guard member
  • Reserve member
  • Surviving spouse of an eligible veteran (certain restrictions apply)

Other loan program restrictions may apply. Loan programs may change at any time with or without notice. Information deemed reliable but not guaranteed. All loans subject to income verification, credit approval and property appraisal. Not a commitment to lend.

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