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FHA, VA, and USDA Loans

Great rates. Great options

If you qualify for an FHA, USDA, or VA loan, you could find yourself with better rates, and they're backed by the federal government.

FHA Loans

FHA loans are provided by an approved FHA lender (like Avadian) and backed by the Federal Housing Administration. If you're a first-time homebuyer, don't have a lot of money for a down payment, or have had past credit issues, this could be the loan for you. FHA mortgages usually come with lower closing costs, have no income limits, and have credit and guideline criteria that help buyers get approved without having impeccable credit.

VA Loans

A VA loan is guaranteed by the U.S. Department of Veterans Affairs and offers long-term financing to eligible veterans or their surviving spouses. Unlike traditional loans, VA loans don't require private mortgage insurance (PMI), and they usually offer more competitive rates, flexible underwriting, and no income limits. They also offer 100% financing and no minimum investment for qualified loans.

USDA Rural Development Loans

Yes, the U.S. Department of Agriculture is in the lending business. USDA Rural Development loans are designed to promote homeownership to people in rural communities, even if they have limited income and limited savings for a down payment. The program offers flexible underwriting and no down payment, although it does have some income limits.



The credit union is federally insured by the National Credit Union Administration.
Additional insurance of up to $250,000 on your savings accounts is provided by Excess Share Insurance Corporation, a licensed insurance company.

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