VA Home Mortgage Loans

What is a VA Mortgage?

Partially guaranteed by the U.S. Department of Veterans Affairs, VA home loans are unique mortgages intended to help military veterans, active servicemen, and surviving military spouses purchase a home. With a VA mortgage loan, you can purchase a house with no down payment and no private mortgage insurance. You can use a VA home loan to buy a house, refinance an existing home mortgage, or even finance large home improvements. JVB’s VA loans offer competitive 30-year fixed rates as well as flexible credit guidelines. JVB is a trusted local mortgage lender with a long history in your North and Central Pennsylvania community. We’ve proudly served the military members in our community since 1867.

Can you refinance a VA Loan?

VA loans are offered by the government to current and former military members, and the benefits don’t end when you sign the loan. If you decide to take advantage of a lower interest rate in the future or want to take some equity out of your home, you can refinance your VA home loan. With an interest rate reduction refinance, also known as a VA Streamline, you can take advantage of lower interest rates. As long as you once resided in the home, you can even move and keep the home as a second residence. Another option for refinancing your VA loan is to pull from your home’s equity with a VA Cash-Out Refinance. Either way, VA loans offer flexibility for the future.

VA Home Loans vs. FHA and USDA Loans

If you are looking for a home mortgage in North or Central Pennsylvania, you may be wondering which option is best for you. When it comes to VA loans, the biggest differences are found in the down payment requirement and mortgage insurance requirement. Because VA loans are partially guaranteed by the U.S. Department of Veterans Affairs, JVB can finance the entire cost of the home and requires no down payment. You’ll also save money with a VA loan because it doesn’t require mortgage insurance, saving you a monthly PMI payment. While FHA and USDA loans require annual fees, qualifying for a VA loan will help you get into your new home at very little expense.

How to get a VA Home Loan

If you are thinking about a VA loan, start by applying for a certificate of eligibility from the U.S. Department of Veterans Affairs. If you have questions or concerns about the VA loan process, the associates at JVB are here to help. We proudly support our military customers in North and Central Pennsylvania. Our mortgage experts live and work in Centre County, Huntingdon County, Juniata County, McKean County, Mifflin County, Perry County, and Potter County.

Contact us to learn more about VA home loans!

Is a VA loan the best option for your home purchase or mortgage refinance? Our Pennsylvania-based mortgage loan officers can help you determine your eligibility and explore all of your mortgage options. JVB is a trusted local mortgage lender with a long history in your Central PA community. Whether in person or online, the mortgage team at JVB is ready to answer your questions about VA mortgage loans and the application process. Visit a JVB office near you or apply online today. We look forward to hearing from you!


  • Call the JVB Customer Care Center to be connected to one of our experienced home loan lenders. 1-855-582-5101
  • Let us call you. Use our Schedule a Call form and someone will contact you on a date and at a time of your choosing.
  • Email our team to determine if a VA loan is right for your needs.
  • Chat with us right now using the Live Chat link showing at the top of the page.
  • Visit your local JVB community office in Blairs Mills, McAlisterville, Mifflintown, Port Royal, Richfield, Port Allegany, Lillibridge, Burnham, Reedsville, Lewistown, Millerstown, Coudersport, or Liverpool or our loan office in State College.