ADAMS -- Adams Community Bank is now offering Veterans Administration loans, according to President and CEO Charles P. O’Brien.

"The VA loan program is a tremendous benefit to our local service members," O’Brien said.

VA loans are available to both qualified veterans and active duty personnel. With no money down, recipients can obtain 100 percent financing for the purchase or refinancing of a home. They also include seller-paid closing costs up to 4 percent of the state price that the seller can provide to cover other items

A VA mortgage also doesn’t require private mortgage insurance, which can add hundreds of dollars to a monthly housing payment.

For details, or to apply for s VA loan, called the Adams Community Bank at (413) 743-0001, or go to one of the bank’s several Berkshire locations.