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Mortgage
Veterans Affairs (VA) Loans


A VA loan is a mortgage loan provided to veterans, active service members, and their spouses. The U.S. Department of Veterans Affairs (VA) established this program, helping them purchase, refinance, or build their homes. Typically, these VA mortgage loans come with small to no down payments, competitive interest rates, and no private mortgage insurance.

If you're looking to secure a VA loan in Kentucky, Indiana, or Ohio for you and your family, contact Stock Yards Bank & Trust today!

Types of VA Loans

VA loans provide more generous terms, with limited closing costs, flexible credit score requirements and no prepayment penalties. These benefits apply no matter the lender or loan type. You can choose from a few kinds of loans, which are suitable for different situations:

  • Home purchase loans: You deserve a house you love, and this VA loan offers competitive rates to help you buy your dream home with confidence. 
  • Cash-out refinance loans: Whether you want to pay for school, make home improvements or pay off debt, this loan allows you to take cash out of your home equity to take care of whatever you need. 
  • Interest rate reduction refinance loan (IRRRL): Also referred to as VA streamline refinance loans, IRRRLs help borrowers replace their current VA loans for another to reduce monthly payments or create a more stable payment structure.

Do You Qualify for a VA Mortgage Loan?

For veterans, active service members and spouses to qualify for a VA loan, they must meet at least one of the criteria listed below:

  • If you are a current soldier, you have been active for at least 90 days with no break in active-duty service. 
  • If you are a veteran, you have met the minimum active-duty service requirement based on when you served.
  • If you were in the National Guard or Reserve, you served six years and were honorably discharged. 
  • If you are the spouse of a service member, your partner lost their life in active duty or as a result of a disability sustained during their service.

How Stock Yards Bank & Trust Can Help You

Stock Yards Bank & Trust has been a trusted provider since 1904, helping individuals, families and businesses realize their financial goals. With years of experience as a mortgage loan lender, you can count on:

  • Personalized services and products to fit your needs.
  • Caring and trusting customer service to lead you through the entire process. 
  • Straightforward online loan application process. 
  • Experienced mortgage bankers available to answer questions and offer expert advice.

Apply for a VA Loan in Kentucky, Indiana or Ohio Today

If you're ready to kick start the process for your VA loan in Kentucky, Indiana, or Ohio, give our team a call or contact us online. You can also complete our loan application online!

Subject to credit approval. Terms and conditions are subject to change.