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VA Loans

You've served our country. Now let Citizens Independent Bank help you achieve your homeownership goals. VA loans offer valuable benefits to eligible veterans, active-duty service members, reservists, National Guard members, and certain surviving spouses, making homeownership more accessible and affordable.


Exclusive Home Financing Benefits for Those Who Have Served.

 

VA loans are backed by the U.S. Department of Veterans Affairs and provide qualified borrowers with flexible financing options that can help reduce upfront costs and simplify the homebuying process. Whether you're purchasing your first home, moving, or refinancing, our local mortgage team is here to help you understand your options and navigate every step of the process.

Benefits

  • No down payment required for qualified borrowers.
  • No private mortgage insurance (PMI) requirement.
  • Flexible qualifying guidelines and competitive financing options.
  • Available for home purchases and refinance transactions.
  • Local mortgage decisions and personalized guidance from a team you know and trust.
 



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Questions about VA eligibility or benefits?

Our local mortgage experts are here to help you understand your options and make confident home financing decisions.

Looking for more mortgage solutions? Explore financing options designed to fit every stage of your homeownership journey.
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Not Sure Where to Start?

 

Mortgage calculators can help you estimate payments, compare options, and make more informed borrowing decisions.






















VA loans are available to many:
  • Active-duty military members
  • Veterans
  • National Guard members
  • Reservists
  • Eligible surviving spouses
Eligibility requirements vary based on service history and other factors. Our mortgage team can help determine your eligibility and guide you through obtaining a Certificate of Eligibility (COE).
VA financing is one of the most powerful homeownership benefits available to those who have served. With no down payment requirement and no private mortgage insurance, eligible borrowers may be able to purchase a home with lower upfront costs and greater affordability.








We provide mortgage lending, personal banking, business banking, and financial services to businesses and individuals across the western Twin Cities. Explore our local banking locations in Saint Louis Park, Robbinsdale, Hopkins, and Plymouth to find the branch most convenient for you.