At CS Bank, we're proud to offer VA Home Loans, backed by the U.S. Department of Veterans Affairs and designed to support our military community—active-duty personnel, veterans with honorable discharge, and qualifying family members. These loans offer up to 100% financing with no mortgage insurance requirement, helping you achieve homeownership the smart way.












baby trying on moms military hat

What Makes VA Loans Stand Out?

  • 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 









family enjoying mom being home from active duty

Eligibility and Requirements

  • 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







military dad doing push ups with kid on his back

Why Choose a VA Loan at CS Bank?

VA Loans at CS Bank offer a unique blend of accessibility and value, no down payment, no mortgage insurance, competitive rates, flexible credit requirements, and perpetual eligibility. We’re committed to honoring your service with big-home opportunities and supportive service.
Military Salute

Ready to Get Started?

Ready to apply for a VA loan at CS Bank? Apply online, stop by any CS Bank office, or fill out the form below to get in contact with our team!
Military coming home celebration