FDIC-Insured - Backed by the full faith and credit of the U.S. Government*
Zero down eligibility. No PMI. Fast closings. Full transparency. Buy, refinance, or build with confidence through veteran-owned, led, and operated ROGER Bank.
VA Loans Built for Service Members and Veterans
Backed by the Department of Veterans Affairs, our VA lending program supports active-duty service members, veterans, and eligible surviving spouses throughout the homebuying and refinancing processes. Guidance, competitive rates, and transparent service come every step of the way, so you can find the home and the loan that fits you.
Mortgage Loans
Mortgage Refinancing
VA Interest Rate Reduction Refinance Loans
VA Mortgage Expertise, Backed by In-House Underwriting
ROGER provides VA loan support across the United States, helping eligible service members, veterans, and military families secure financing wherever they plan to call home.
Full Suite of Government-Backed and Conventional Loan Products
Clear Communication Throughout the Loan Process
Personalized Mortgage Strategies
Qualified buyers may be able to purchase a home with zero down payment and 100% financing.
VA loans eliminate Private Mortgage Insurance (PMI), translating to thousands of dollars in savings over the lifetime of the loan.
Greater credit score leniency makes homeownership more achievable for buyers.
Homebuyers can take over the seller’s existing mortgage, including the seller’s interest rate and remaining balance, rather than obtaining a new loan.
Our Interest Rate Reduction Refinance Loan (IRRRL) helps lower the rate or the term on an existing VA mortgage.
Rates often competitive with other loan programs.
The loan is for the Purchase of a single-family residence that will be used as a primary residence and that the applicant has a credit score of 720 or higher. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice. Closing costs included but not limited to insurance, property tax, and other closing costs are not reflected in the quote. Loans are subject to being sold on the secondary market. This is not an offer to lend; all loans are subject to credit approval.
The loan is for the Refinance of a single-family residence that will be used as a primary residence and that the applicant has a credit score of 720 or higher. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice. Closing costs included but not limited to insurance, property tax, and other closing costs are not reflected in the quote. Loans are subject to being sold on the secondary market. This is not an offer to lend; all loans are subject to credit approval.
The loan is for the IRRRL Refinance of a single-family residence that will be used as a primary residence and that the applicant has a credit score of 720 or higher. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice. Closing costs included but not limited to insurance, property tax, and other closing costs are not reflected in the quote. Loans are subject to being sold on the secondary market. This is not an offer to lend; all loans are subject to credit approval.
The team was extremely helpful and communicated effectively throughout the process. We felt like we were in good hands the entire home buying process and they made themselves available even after hours if we had questions. Would definitely recommend this team and would use them again in the future! Jarech
The team was extremely helpful and communicated effectively throughout the process. We felt like we were in good hands the entire home buying process and they made themselves available even after hours if we had questions. Would definitely recommend this team and would use them again in the future!
I just worked with the Mortgage Team. They were amazing - effective and efficient to get the ball rolling. The ROGER team in particular was communicative, transparent, and got things done! I can’t wait to refer the bank to my friends. Hong
I just worked with the Mortgage Team. They were amazing - effective and efficient to get the ball rolling. The ROGER team in particular was communicative, transparent, and got things done! I can’t wait to refer the bank to my friends.
A VA loan is a mortgage program for active-duty service members, veterans, and eligible surviving spouses. Backed by the Department of Veterans Affairs, VA mortgage loans can make homeownership more accessible and affordable, with benefits including zero down payment eligibility, no PMI, and competitive rates.
VA loans are available to eligible active-duty service members, veterans, National Guard and Reserve members, and certain surviving spouses. Eligibility is based on service history and other criteria set by the Department of Veterans Affairs. Our team can quickly help determine your eligibility.
VA loans have no fixed maximum loan amount for qualified borrowers. Getting pre-approved through ROGER Bank can help you understand your personalized borrowing capacity based on your financial profile.
VA loans include a one-time funding fee, which varies depending on your service type, military status, and whether it’s your first VA loan. At ROGER Bank, we make fees transparent—no hidden charges, no surprises. You’ll always know what to expect.
Yes. You can use your VA benefits multiple times as long as your entitlement is available or has been restored. This means you can buy, build, or refinance a home more than once using VA financing.
Typical closings on a VA home loan take 30 to 45 days. At ROGER Bank, qualified borrowers may close in as little as 21 days when using our in-house underwriting. Although we are powered by the Citizens Bank of Edmond, if you’re considering a VA home loan, Oklahoma resident or not, we can help you throughout the entire loan underwriting and finalization process for a smooth, streamlined experience.
Yes. VA loans can be refinanced using an Interest Rate Reduction Refinance Loan (IRRRL) to lower your rate or term, or through a VA cash-out refinance to access your home’s equity. Our team can help you evaluate the costs and benefits to find the best option for your situation.
Absolutely. One of the biggest VA mortgage benefits is that qualified borrowers can purchase a home with no down payment. We’ll also show all funding fees and closing costs upfront so there are no surprises.
Getting pre-qualified is the first step toward serious home shopping. Our in-house underwriting team provides fast, personalized assessments, helping you better understand your budget and your borrowing ability.
The VA appraisal ensures the home meets minimum property requirements and protects both you and the lender. At ROGER Bank, we work with experienced VA appraisers to keep your purchase on track and help your veteran mortgage close smoothly.
We offer three VA loan products: VA Purchase Loans, VA Interest Rate Reduction Refinance Loans, and VA Cash-Out Refinancing.
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VA Mortgage Insights
Navigating your first veteran mortgage can feel confusing and overwhelming. We’re sharing everything you need to know as you begin your military home loan journey.
No two homebuyers are the same—so what’s the right mortgage program for you? Read our guide to compare your options and get started in the right direction.
One of the greatest advantages of a VA loan is that qualified buyers can close with zero down. Visit our blog to read more about the VA zero-down structure and your closing cost options.
VA loans are commonly misunderstood, but a knowledgeable lender can help set the record straight. We’re helping you make the most of your benefits with guidance and transparency.
A nonprofit Veteran’s charity which provides the spouses and children of the fallen and wounded, educational scholarships.
A nonprofit founded after 9/11, providing mortgage-free homes for Gold Star and fallen first responder families, plus smart homes for catastrophically injured veterans.
A nonprofit supporting veterans, active-duty military, and their families through mental health, wellness, suicide prevention, equine therapy, outdoor programs, and transportation services.
A nonprofit founded in 2020 by PGA Golfer John Daly and Major Ed Pulido, supporting veterans, first responders, and children through mental, physical, and wellness resources.
A 501(c)(3) nonprofit supporting veterans, active-duty military, and their families through mental health, wellness, suicide prevention, equine therapy, outdoor programs, and transportation services.
A nonprofit supporting children of fallen U.S. military personnel through birthday celebrations, summer camps, mentorships, and scholarships.
A nonprofit association founded in 1947 to provide life insurance benefits and financial protection for military families, especially during combat.
A nonprofit supporting veterans and their families through mental health, physical wellness, entrepreneurship, mentorship, and civilian workforce transition resources.
An event and community platform connecting veterans, military spouses, and advocates through networking, collaboration, podcasts, webinars, and personal and professional development.
A veteran-founded coffee company based in Edmond, OK, empowering veterans through business mentorship, support tools, and partnerships with veteran-focused organizations.
A veteran-owned craft beer business dedicated to employing and honoring America's military personnel. They support service members by committing to a 70% veteran workforce and donating sales proceeds to military charities. These initiatives actively fund resources that help troops transition into civilian life.
A free, 24/7 crisis resource connecting veterans, service members, and loved ones with trained responders by phone, text, or online chat.
Individuals and businesses featured in our VA Community Connection are independent entities. Inclusion does not constitute endorsement, affiliation, or a formal partnership.
We are here to assist. Contact us and get answers fast.
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