Skip to main content
FDIC FDIC-Insured – Backed by the full faith and credit of the U.S. Government
Find a Location
Menu
Search

VA Loan
Serving Those Who Serve

Make your path home more affordable with no down payment, no private mortgage insurance and flexible financing options.

See if VA fits See if VA fits Connect with a Mortgage Advisor Connect with a Mortgage Advisor

A Home Loan Built for Service

Your service comes with benefits that can make buying or refinancing a home more manageable. With a VA loan, eligible borrowers can reduce upfront costs while getting financing designed specifically for a primary residence.

First Financial Bank can help you understand your eligibility, your options and what comes next.

LTV mortgage flexibility

Get More From Your VA Benefit

A lower down payment could give you more flexibility as you plan your home purchase.

No Down Payment Required

Qualified borrowers can finance up to 100% of an eligible home purchase.

No Private Mortgage Insurance

VA loans don't require private mortgage insurance, commonly known as PMI.

Purchase or Refinance

Buy a primary residence or refinance your current mortgage with eligible VA financing.

LTV mortgage flexibility

See If You Qualify

VA financing may be available to:

  • Active-duty service members
  • Veterans
  • Reserve or National Guard members
  • Qualifying Coast Guard members
  • Eligible surviving spouses

Not sure where you stand? A First Financial Mortgage Advisor can help you understand the requirements and your options.

Connect with a Mortgage Advisor Connect with a Mortgage Advisor

A Simple Path Forward

Talk Through Your Plans

Share what you're looking to buy, the funds you have available and what matters most to you financially.

Review Your Options

A mortgage expert can help you compare low down payment options and explain the requirements, costs and tradeoffs that may apply.

Choose Your Next Step

If an option fits your situation and you meet program requirements, your mortgage expert can guide you through the application process.

Connect with a Mortgage Advisor Connect with a Mortgage Advisor

Already Own Your Home?

Your VA benefit may also give you options to refinance your mortgage or access home equity through a VA cash-out refinance.

Cash-out refinancing may be available up to 90% loan-to-value, based on eligibility and First Financial credit guidelines.

Explore Your Refinance Options Explore Your Refinance Options
LTV mortgage flexibility

Ready for Your Next Step?

Whether you're ready to apply or still have questions, we're here to help you move forward with confidence.

Loans are subject to credit approval. A minimum credit score of 580 is required. VA eligibility, First Financial Bank underwriting and credit requirements apply. The program is available to eligible borrowers for the purchase or refinance of an owner-occupied primary residence.

Loan terms are subject to verification of borrower eligibility, income, assets and a satisfactory property appraisal. Property insurance is required and flood insurance may be required. Cash-out refinance availability is based on eligibility and First Financial Bank credit guidelines. Seller concessions are limited to applicable VA program guidelines. Additional terms and conditions apply.