First Source Credit Union
Apply for a loan Make an appointment
Become a member Log in

VA Home Loan

Designed for Those Who Served

A Government Veterans’ Assistance (VA) Loan is a government-backed mortgage designed specifically for eligible veterans, active-duty service members, and members of the National Guard and Reserves. With 0% down and flexible terms, it’s one of the most valuable home financing benefits available.

Explore Your VA Loan Options

Estimate Your Monthly Payment

Use our mortgage calculator to estimate your monthly payment and explore how 0% down financing could work for you. You can also compare different loan terms and scenarios.

https://fsource.hiappli.com/embedded_calculator/?access_code=fsource_laB4YWtkAREw
 

View Today’s VA Mortgage Rates

Our VA rates are competitive and updated regularly. Compare available options to find the structure that fits your budget and long-term goals.

See All Rates

With these tools, you can explore your VA home financing confidently, on your terms.

Apply for a VA Loan Online

Apply online for a VA Loan and begin the pre-approval process. We’ll guide you through eligibility verification, documentation, and next steps so you can shop with confidence.

Apply Now
Military family celebrating homeownership

VA Loan Requirements

VA Loans offer powerful benefits, including:

  • 0% down payment
  • 100% financing for 1–4 unit owner-occupied properties
  • No private mortgage insurance (PMI)
  • Seller contributions up to 4% toward closing costs
  • Flexible credit guidelines

Eligibility requires:

  • Certificate of Eligibility (COE)
  • DD214 (if applicable)
  • Minimum service requirements
  • Owner occupancy

A VA Loan can be used to purchase a home with no down payment and flexible terms, helping you move forward with confidence and maximize your home financing benefits.

 

Don’t Forget Homeowners Insurance

Protect your home with coverage you can trust. We’ll help you get started.

Request a Quote

Frequently Asked Questions

Do I need a down payment for a VA Loan?
No. Qualified borrowers may finance up to 100% of the home’s value.
What is a Certificate of Eligibility?
A COE verifies your eligibility for VA loan benefits through the U.S. Department of Veterans Affairs.
Can I use a VA Loan more than once?
Yes. In many cases, VA loan benefits can be reused, depending on entitlement restoration.
Service member enjoying time at home with family

Why Choose First Source for Your VA Home Loan?

We’ve helped veterans and service members secure the financing they need to purchase a home, with:

  • Local Expertise

    Decisions made by lenders who understand your community.

  • Straightforward Process

    Clear guidance from application to closing.

  • Dedicated Support

    Help navigating VA documentation and eligibility requirements.

We simplify the process—so you can focus on your next chapter.

Couple celebrating in front of a new home

Live Smarter

Looking for a smarter way to manage your mortgage? Let’s review your options together.

Apply Now
 

Interested In Learning More?

To see what other types of mortgages we have available, along with our specialized mortgage programs, visit our Mortgage overview page.

Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Membership eligibility required.