VA Loans

VA loans are a government loan option made available to veterans of the armed services, active-duty personnel, reservists, and their spouses. VA mortgages offer the option of no down payment.  VA loans are made through us, but backed by the Department of Veterans Affairs, if guidelines for eligibility are met.  Because the VA backs the loans, mortgage insurance is not required.


Choose a VA loan if you:

Are a qualified veteran, in-service military personnel or immediate family member.  Spouses of military members who died while on active duty or due to a disability of a service-connected event may also qualify.  Potential borrowers will need to obtain a certificate of eligibility, but this is not necessary to begin the mortgage process.  Your mortgage loan officer can help you with securing this documentation during the pre-qualifying process.


What You Need to Know:

VA loans are available to finance only a primary residence.  A loan to purchase or refinance a vacation or investment property is not eligible for a VA loan.

Visit your local branch to meet with a mortgage loan officer or send our mortgage team a message and they'll reach out to you directly.



Speak with a mortgage loan officer today to learn more about VA loans.
Image showing a couple from the knees down.  Female is dressed in jeans and male is in army fatigues.  Suggests a military homecoming.

military checking

First South Bank proudly offers a unique checking account to all active members of our military.

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