VA Home Loans
A smarter path to homeownership for veterans financing that honors your service—whether you’re purchasing, renovating, or refinancing.
Evolve Bank & Trust is proud to support veterans, active-duty service members, and eligible surviving spouses with VA Home Loans designed to make homeownership more accessible. Our VA mortgages offer flexible financing options, competitive VA home loan rates, and personalized service to guide you through every step of the process. Our VA home loan program provides the tools and expertise to help you achieve your homeownership goals.
Evolve is proud to participate in the VA Home Loans government-backed mortgage program.
Created by the U.S. Department of Veterans Affairs to help eligible borrowers buy, renovate, or refinance homes with favorable terms, these loans are designed to remove common barriers to homeownership, such as large down payments and high-interest rates, offering a more affordable way for service members to build wealth through real estate.
Types of VA Home Loans
Evolve Bank & Trust thanks you for service—our home loan advisors are here to help you through the application process.
A VA Purchase Loan helps eligible borrowers buy a home with no down payment and lower VA home loan rates compared to conventional financing. This option makes homeownership more accessible while eliminating private mortgage insurance (PMI) costs.
VA Renovation Loans combine home purchase and improvement financing into one loan, allowing veterans to buy a home and make necessary repairs or upgrades. This program ensures that homes meet VA home loan requirements while increasing property value.
VA Refinance Loans provide an opportunity to lower interest rates, reduce monthly payments, or convert home equity into cash. Whether you need an Interest Rate Reduction Refinance Loan (IRRRL) or a Cash-Out Refinance, this program helps maximize your financial benefits.
Three Key Advantages
Unlike conventional loans that require significant upfront costs, VA home loans eliminate the need for a down payment, making homeownership more affordable for qualified veterans and military families.
VA mortgages reduce the burden of closing costs, allowing borrowers to save thousands compared to conventional loan options. Certain fees are capped, and sellers can contribute toward expenses.
Since VA loans are government-backed, there’s no requirement for PMI, reducing monthly payments and long-term borrowing costs.
VA Home Loan FAQ's
Why Evolve Bank & Trust?
We understand VA Home Loans and working with Veterans Affairs. Count on Evolve to make your VA mortgage process simple and straightforward. You served your country, now let us support you in your dream of home ownership!
Benefits of Evolve Bank & Trust VA Home Loan
Evolve simplifies the home loan process with dedicated support and industry expertise. Our VA mortgages come with exclusive benefits tailored to veterans and military families:
- Zero Down Payment
- No Private Mortgage Insurance (PMI)
- Competitive VA Home Loan Rates
- Low Closing Costs
- Flexible Credit Requirements
- Streamlined Application Process
- VA Loan Experts–Personalized guidance
- Cash-Out Refinance Options
- Interest Rate Reduction Refinance Loans
- No Prepayment Penalties
- Adaptable to High-Value Homes
- Financing for Home Renovations
- Assistance with VA Home Loans
- Reliable Customer Service
Interested in VA Home Loans?
Contact us to start the conversation. We are VA home loan experts and are here to help you reach your financial goals.