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VA Loans . A VA loan is a mortgage loan guaranteed by the Veterans Administration. It was created in 1944 and signed into law by President Franklin D. Roosevelt. A VA loan provides veterans and/or their surviving spouses who have not remarried, with a federally guaranteed home with zero down payment.

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Monticello Banking Company is a locally owned community bank with several locations throughout central and southern Kentucky. We offer an assortment of banking products and services such as a variety of consumer and mortgage loans, as well as checking and savings accounts, including free checking!