VA Loans

Proudly Serving Those Who’ve Served Our Country

At First Reliance Bank, we’re honored to help eligible veterans, active-duty service members, and surviving spouses achieve the dream of homeownership through the VA Home Loan program. Backed by the U.S. Department of Veterans Affairs, VA Loans offer flexible, affordable financing designed to reward your service with powerful benefits.

First Reliance Bank/Mortgages/Mortgage Loan Options/VA Loans

Why Choose a VA Loan?

VA Loans offer unique advantages that can make buying or refinancing a home more accessible and affordable:

Key Features:
No Down Payment Required

Qualified borrowers can finance up to 100% of the home’s value—helping you preserve savings for other needs.

No Private Mortgage Insurance (PMI)

Unlike many conventional loans, VA Loans do not require PMI, saving you money each month.

Competitive Interest Rates

Because they’re backed by the federal government, VA Loans typically offer lower rates than traditional mortgages.

Flexible Credit Requirements

VA Loans are designed to be accessible, even for those with limited credit history or past financial challenges.

Reduced Closing Costs

The VA limits the types of fees veterans can be charged, helping keep your out-of-pocket expenses manageable.

Outline of a soldier saluting.

Who Is Eligible?

You may be eligible for a VA Loan if you are:

  • A veteran
  • An active-duty service member
  • A National Guard or Reserve member
  • A surviving spouse of a veteran (in qualifying circumstances)

Our team will guide you through verifying your eligibility and obtaining your Certificate of Eligibility (COE).

Dedicated to Helping You Own Your Home

At First Reliance Bank, we’re proud to support those who serve. Our mortgage specialists understand the VA Loan process and are here to make it as smooth and stress-free as possible—whether you’re buying your first home or refinancing an existing one.

Talk to a First Reliance Mortgage Specialist today to learn more about how a VA Loan can work for you.
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Why First Reliance Bank?

We’re more than just your bank—we’re your business partner. With personalized service, local decision-making, and a genuine commitment to your success, First Reliance Bank is a trusted resource for business owners throughout our community.

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Tomorrow—Today

Whether you’re ready to lock in a great CD rate or open an IRA to prepare for retirement, First Reliance Bank makes it easy to get started. Visit one of our convenient branch locations or contact us to speak with a banking specialist who can guide you every step of the way.

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