HCT Bank - Helping You Refinance

VA home loans enable military personnel and veterans to resume their lives upon returning from service. HCT bank lets you access competitive refinance rates and mortgage loans with decreased interest rates.

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VA Home Loans

VA home loans information and refinance rates are available through HCT Bank. Our online mortgage service offers you individualized VA mortgage loans assistance to fit your special circumstances. With HCT Bank you get more than just online home loan applications. We work with you every step of the way. On our site you'll find a mortgage loan payment calculator, a mortgage refinancing calculator and detailed information on VA financing programs. Our financing services help you obtain VA mortgage loans with no money down in most cases. If you're looking for a first time home buyer loan, mortgage refinance rates or information on VA entitlement restoration, contact HCT Bank. We can help you choose from the many government home loans available so you get the right financing for your individual situation.

Home financing for veterans and service personnel offers many benefits

VA home loans offer many benefits to veterans and service personnel. Our site provides information on financing eligibility, fees and costs, a list of uses for financing and restoration of your financing entitlement. You may be eligible for financing of up to $203,000, plus you'll enjoy the flexibility of Graduated Payment and Growing Equity repayment options. In addition, you'll have the option of negotiating your interest rate with your lender. We can familiarize you with these and other important benefits that can help you finance your property purchase. Check the FAQ section on our site and contact us for additional information on eligibility.

You may have previously purchased a house, and believe that you have exhausted your financing entitlement. We can help you determine if you have a remaining entitlement, or assist you with restoration of your entitlement. We can guide you through this process, and in some cases uncover remaining entitlement or help you qualify for entitlement restoration, so you can get additional financing. Our personal mortgage service provides you with experienced consultation and mortgage application assistance that makes applying for federal financing easier.

The first step in the financing process for active service personnel and veterans is to obtain a Certificate of Eligibility. Once you send a form 26-1880 to the government, you can arrange for financing at any bank that participates in financing programs for service personnel and veterans. We work with an established network of lenders that can help you secure the financing you need. In some cases you can even qualify for financing after declaring bankruptcy. When you work with our online mortgage service, we will inform you of all available financing options to make your application process go as smoothly as possible.

Get the financing that you're entitled to and enjoy individualized attention

We offer you outstanding personal service so you get the right financing at the right rate. Arranging financing to purchase a house can get a little confusing. Let us help guide you through the mortgage process, so you can take advantage of entitlements available to active duty personnel and veterans. With our comprehensive mortgage services, you know that you'll get all the information you need. From start to finish you can count on our in-depth information and application assistance to help simplify the financing process.

Click here for more information on our financing programs for veterans and service personnel.

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