Speak to a VA Expert

VA Home Loans for Veterans

Buy a home with $0 down or lower your payments with a VA refinance. We make the process quick and easy.


| Excellent 5.0 out of 5

Advantages of the VA Home Loan Program

Enjoy the benefits of your military service

Excellent Satisfaction Rating


5.0 out of 5

Josh Klenda - VA Home Loans
Josh Klenda
Scotsman Guide Top VA Originator
Community First National Bank
Vice President  NMLS #809910

What makes us different

Our staff is an award-winning elite team of VA experts with over 20 years of VA experience to support you.  We’re aware there are many places to get a VA mortgage. Yet, most online lenders operate large call centers with loan officers with limited experience and often charge expensive origination fees. At the same time, most of the local loan officers originate a wide range of loan products and don’t specialize in any of them.
This is what makes us different. At Community First National Bank we guarantee you a great rate, low fees, and best-in-class service.  We love what we do and working with veterans and their families. I encourage you to apply with us today and let our family help yours.

What our clients are saying

About Us

VA Home Loans - Darrell

Mr. Klenda has helped us with 4 VA loans in the past 3 years. The company does not make the person, but the person makes the company, and I will recommend Josh's team to anyone who needs a home loan.


Troy - VA Home Loans

I have used Josh 3 times, and every time has been awesome! I made two loans refinances and one home purchase; Josh's team gets it done and is with you all the way through the process!


Nancy - VA Home Loans

Josh's team did a fantastic job for us. He was always extremely proactive and responsive to any calls. Overall, Josh spent a lot of time on our case and went the extra mile. He was a pleasure to work with and has a nice way about him but at the same time is a true professional.


SmartVALoans.com is a service of Community First National Bank
Veteran Real Estate Benefit Partner
Federal Home Loan Bank of Topeka Member
Scotsman Guide Top VA Originator
Member FDIC Equal Housing Lender
VA Home Loans - Military Cartoon Family

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