
What Makes VA Loans Stand Out?
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No Down Payment Required
With full VA entitlement and approval, you can finance your home in full, no upfront payment needed -
No Mortgage Insurance (PMI)
Unlike conventional or FHA loans, VA Loans eliminate monthly mortgage insurance. Instead, a one-time VA funding fee applies, which can be financed into your loan -
Lower Interest & Closing Costs
Competitive rates and reduced fees lower monthly costs, making homeownership more affordable -
Flexible Credit Guidelines
The VA doesn't set a minimum credit score, however, terms are more flexible than standard mortgage guidelines -
Reuse Your VA Loan Benefits
You can tap into your VA loan benefit multiple times, whether you're buying again, relocating, or refinancing

Eligibility and Requirements
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Who Qualifies?
Eligible borrowers include active-duty service members, honorably discharged veterans, and select surviving spouses -
Small League, Big Benefits
You can borrow up to 100% of your home’s purchase price (or appraised value), often exceeding standard conforming loan limits—especially if you have full entitlement -
Certificate of Eligibility (COE) Required
Verify your eligibility via eBenefits, mail, or with your lender, CS Bank is here to help with the process

Why Choose a VA Loan at CS Bank?

Ready to Get Started?
