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Home Loans

Your journey to home ownership starts here.

Honest questions. Genuine advice.

At VeraBank, we believe in giving genuine advice to our customers’ honest questions. When it comes to home loans, we’re the experts you can always come to for answers. So what questions do you have for us?

Why should I choose VeraBank for my home loan?

We know buying a home is a big step in your life, and working with the right person makes all the difference. Our mortgage bankers are rooted in the communities they serve and understand the importance of helping you find the right loan for your needs.

What home loan fits me best?

We offer a wide variety of mortgage financing options and we’re happy to help you find the loan type that is right for you.

Fixed Rate Mortgages
With a fixed rate mortgage, the monthly principal and interest payments remain the same through the life of the loan, making this option ideal for those who need to know exactly what they will pay each month.

Adjustable Rate Mortgages (ARM)
Commonly referred to as an ARM, this type of mortgage is a loan that offers a lower initial interest rate than most fixed rate loans. The trade-off is that the interest rate can change periodically – making your monthly payment go up or down throughout the life of the loan.

Special Program Loans

  • Rural Development Loans (USDA)
    These loans help those in qualifying rural areas become homeowners. Up to 100% financing in small populated cities and surrounding rural areas for first-time homebuyers and previous homeowners.
  • Department of Veterans Affairs (VA)
    For Service Members and Veterans, these are government-insured fixed or adjustable rate loans with low down payment requirements and flexible qualifications.
  • Interim Construction
    Short-term financing for the construction of a new home with favorable interest-only payments during construction.
  • Home Improvement Loans
    A loan given for improvements to your existing home or home being purchased.
  • Consumer Land Loans
    A loan for purchasing a small acreage or lots for your future home.
  • Federal Housing Administration Loans (FHA)
    FHA home loans require lower minimum credit scores with only 3.5% down payment for first-time homebuyers. 
  • Home Equity Loans
    A loan that allows you to borrow money using the equity in your home as collateral.

If I have more questions, who can I ask?

If you would like more information about anything home-related, reach out to one of our mortgage bankers.

They will be happy to help answer questions about home loan programs, credit score and down-payment requirements, closing costs, interest rates, estimated mortgage payments, and more!

How does the loan application process work?

  • Gather Documents

  1. Your most recent two months’ Bank Statements (all pages)
  2. Most recent two years’ W2s/1099s
  3. 30-day pay stubs or Retirement/SSI Award Letters
  • Application Options

  1. Complete a Mortgage Application Package with all signatures (application and disclosures).
  2. Visit a local branch for an application package - click here to make an appointment.
  3. Apply online - click here to select a mortgage lender and complete an online application.

Are there any educational resources available to me?

Are you ready to get started?

Talk to a mortgage banker

Apply Now



Say YES to home ownership!

Say YES to home ownership!

Low-to-Moderate Income Mortgage Special


Let’s talk! Our mortgage bankers are here for you.

Mortgage Bankers