Veterans Administration (VA) Loans

Showing thanks with an affordable home loan.

No down payment or mortgage insurance requirements.

Guaranteed by the U.S. Department of Veterans Affairs (VA), VA loans are for eligible members of the U.S. military (active duty, veterans, National Guard and Reservists), as well as surviving spouses.

  • Flexible credit requirements
  • No Mortgage Insurance payments

VA Mortgage Benefits & Considerations

  • More likely to qualify with flexible credit requirements.
  • Take advantage of market changes with streamlined Interest Rate Reduction Refinancing Loans.
  • Can be assumed by a qualified borrower in the future.
  • Available for eligible veterans or their surviving spouses.
  • VA funding fee varies from 1.25% to 3.30% unless veteran is eligible for a waiver.

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  • Stress-free application

We offer a digital application process, as well as expert Mortgage Loan Officers to assist you with one-on-one guidance.  

  • Fast pre-approvals

Show sellers you’re serious about buying and make a stronger offer with confidence that you can afford the mortgage.   

  • No hand offs

You’ll have a single point of contact, from application to closing with your own dedicated Mortgage Loan Officer.

  • No middle man

As a Bank, we’re a Direct Lender, which means your mortgage stays close to home.   

  • 24/7 access

Enjoy anytime access to our Borrower Loan Portal that make it simple and secure to get updates or provide documents. 

  • Smooth closings

Digital closing options are available in select areas to make your special day that much better.  


Ready to get moving? We’re here to help.

We make it easy with our simple, secure online applicaiton.

Call to connect with our experienced Mortgage Loan Officers.

Email us with any questions or to get started.


Patriot Bank is a full-service bank offering mortgages nationwide, with branches in the Connecticut and New York area. 

Equal Housing Lender

Financing available up to 97% for qualified borrowers (max loan of $766,550 for most areas). Mortgage insurance required. Financing available up to 100% for qualified borrowers (VA) up to Veterans Administration Jumbo limits.