Home Loans at VACU
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FHA Loans

Make homeownership possible with flexible programs designed to fit your budget.

Competitive rates
6.028

for purchasing and refinancing.?

As low as

3.5%

for your down payment.

Get support from

local experts

every step of the way.

Why choose a Federal Housing Administration (FHA) loan with VACU?

 Benefit from low down payment options — ideal for first-time and repeat homebuyers.

 Access flexible programs for purchases, rate/term refinances, and cash-out refinances.

 Make homeownership more achievable with affordable, accessible financing.

 Receive personalized support from our local mortgage team every step of the way.

 Take advantage of an FHA Streamline Refinance if you're an existing FHA borrower.

Make it happen in a few steps.

Step 1
Talk to a VACU mortgage loan officer.

A local mortgage loan officer will help you determine the best loan product that works for your needs. Our mortgage team will help you get pre-qualified.

Step 2
Apply with us.

Apply for your mortgage by completing our easy-to-use digital application.

Step 3
Finalize your mortgage.

Sign disclosures, which will include an estimate of your closing costs. While our loan processor is putting final touches on your documents, they might reach out with questions or requests for additional documentation.

Step 4
Close on your new loan!

Sign and finalize the closing documents to provide funds for closing.

A mortgage loan officer helping a member

Mortgage Loan Officers

Whether you’re looking to buy or refinance, we have a team of local mortgage loan officers ready to help.

A woman working at her desk

Virginia Statewide Title Services

Virginia Statewide Title Services offers affordable title insurance to protect you against defects in your property title and can also connect you with a participating closing attorney in your area.?

Unlock the door to homeownership.

Take the next step with confidence with the support of an FHA loan.