Speak to a VA Expert

$0 Down VA Home Loans for Veterans

Determine your VA loan eligibility.  We make the process Fast and Easy.

VA Home Loan Advantages

Lower Interest Rates and No PMI

Buy your home without a down payment requirement and expensive monthly PMI.

Consolidate debts, finance home improvement projects, or lower your current interest rate.

Enjoy reduced payments with lower rates than most conventional loans. 

VA Home Loan Programs

VA Cashout Refinance

Interest Rate Reduction Refinance Loan (IRRRL)

  • $0 Money Down
  • No Maximum loan limit
  • No monthly private mortgage insurance (PMI)
  • Credit flexibility
  • Seller concessions permitted for closing cost assistance
  • Cashout up to 100% of the home's value
  • Consolidate debts, finance home improvement projects, or lower your current interest rate
  • Closing costs can be financed
  • Convert from an ARM to a fixed-rate


  • VA to VA streamline refinance
  • No appraisal, income, or asset verification.
  • Closing costs can be financed
  • Skip 1 or 2 mortgage payments
  • Term options from 30-15 years

4.9 out of 5

SmartVAloans.com is a service of Community First National Bank VA Approved Lender

2021 - 2016 Ranked as one of the Top VA Originators in the Nation by the Scotsman Guide†

Why us?

SmartVAloans.com is a service of Community First National Bank VA Approved Lender Member FDIC Equal Housing Lender

2021 - 2016 Ranked as one of the Top VA Originators in the Nation by the Scotsman Guide†

VA Approved Lender not a government agency

Copyright © 2022 All Rights Reserved. SmartVALoans.com is a service of Community First National Bank NMLS ID #449196 www.nmlsconsumeraccess.org

†According to Scotsman Guide, the mortgage lending industry's leading resource, Community First National Bank Vice President and VA Loan Specialist Josh Klenda NMLS #809910 has been ranked in the annual nationwide VA loan offer rankings. Josh has been included in the Guide’s 2021, 2020, 2019, 2018, 2017, 2016, and 2010 listing of the country’s top VA loan originators by volume.

Community First National Bank

11900 W 87th St Pkwy, Ste 115

Lenexa, KS 66215


866-946-1233

info@smartvaloans.com