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.
Contact Us
Couple embracing as woman holds out keys to new home.

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.

Start Saving for
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.

Apply TodayFind a Location
Person logging into First Reliance Mobile Banking.

Better Life Blog
Stories and Insights

Find tips for managing money and learn more about what First Reliance does for the community.

Read Better Life Blog

Simplify Your Finances with a First Reliance Personal Money Market Account

Managing your money shouldn’t be complicated. Whether saving for a major purchase, building your emergency...

Protect Your Wallet: Holiday Fraud Prevention Tips from First Reliance

The holiday season is a time for giving, celebrating, and connecting with loved ones, but...

Why Choose a HELOC with First Reliance

For many homeowners, the equity you’ve built in your home is one of your greatest...

Leave Site

You are about to leave First Reliance Bank's website and enter a third-party website. First Reliance Bank may be not responsible for the content, products, services, privacy policies, or security of any third-party sites.

Continue