VA Home Loans

  • No down payment
  • Lower closing costs
  • No Private Mortgage Insurance (PMI) needed
Use our Mortgage Loan Calculator to estimate your monthly payment.
Honoring all those who served
VA Loans aren't just for veterans who have left the service. They're also available to active duty military personnel, reservists, and some military spouses.

When it's time for you to put down some roots

Our men and women in uniform often move from one assignment to another, across the country or around the world. When they have a chance to settle down, they can target a mortgage that offers a wide range of financial benefits. And if they choose to move again? VA loans are a lifetime benefit – so service members can use them for all future housing purchases.

  • Fixed-rate and adjustable rate loans available
  • No down payment required 
  • Competitive interest rates that are often lower than those of conventional loans
  • Limited closing costs
  • No prepayment penalty
  • More flexible and forgiving credit guidelines
  • Refinancing options available 
  • Work directly with local First Community Bank mortgage team members and not a federal agency

First Community Bank makes homeownership easier with our mortgage loan options. Visit us in West Virginia, Tennessee, North Carolina, and Virginia.

More Mortgage Options

Not sure if this is the mortgage for you? 

Check out all our mortgage options to see which one fits your needs best.

Helpful Resources

Hints for Homebuyers

Check out our best tips for buying a home and getting a mortgage easier.

How Much is a Mortgage Payment?

Use our calculator to get an estimate of your mortgage payment.

Find a Branch Near You

Come see us! Locate a convenient branch nearby in NC, TN, VA or WV.