FHA, VA, and USDA Mortgages
Government‑Backed Loans Open Doors
Special mortgage programs exist for special circumstances. Whether you're working through credit challenges, honoring military service, or purchasing in a rural community, government-backed loans offer flexible paths to homeownership. At DFCU you'll find FHA loans starting at just 3.5% down, VA loans with up to 100% financing, and USDA loans with no down payment requirements—all with competitive rates and local expertise.
FHA Loans: Credit Challenges Welcome
The Federal Housing Administration makes homeownership possible for buyers who may not qualify for conventional loans. Key features include:
- For credit scores as low as 580
- Adjustable-rate terms: 5-years
- Fixed-rate term options: 10, 15, 20, 25, or 30-years
- As little as 3.5% down
- Cash-out refinance available (up to 80% of loan value)
Don't let past credit setbacks keep you from building a secure future.
VA Loans: Serving Those Who Served
Veterans Administration (VA) loans are designed to honor veterans and active-duty service members. With up to 100% financing and no private mortgage insurance required, these loans save families thousands of dollars over time. Competitive rates, flexible fixed or adjustable terms, and no down payment mean your service translates directly into homeownership benefits. Adjustable and fixed rates are available.
Your service earned this benefit—let us help you use it.
USDA Rural Loans: Affordable Paths to Community Living
USDA loans offer for many families a program that can be the most affordable path to owning a home while supporting the growth of local communities. Here are some key features about this loan:
- 30-year fixed term only
- 100% financing available
- Property must be in a rural area (Speak to a mortgage officer to see if your location qualifies)
- Primarily used for purchases rather than refinancing
Affordable homeownership where it matters most.
Why Government Loans Matter
FHA, VA, and USDA loans exist to remove barriers that prevent people from buying homes. They provide lower down payments, flexible credit requirements, and competitive rates—advantages made possible by government backing. Many are also assumable, meaning another buyer can take over your low-rate loan in the future, a rare benefit in today's market.
Your Circumstances Don't Define Your Future
From veterans ready to claim earned benefits, to families working through credit challenges, to buyers putting down roots in rural communities—government-backed loans create opportunities where conventional financing might fall short. DFCU's mortgage team specializes in guiding members through these programs so you can access every available advantage.
Become a Member Today
Become a Member Today
LDS Members and others are welcome to join us as members.
Save More, Stress Less
Save More, Stress Less
Earn Top Rates with Our High-Yield Savings—No Fees, No Fuss.
FHA requires 3.5% down with 580+ credit score. VA loans available to eligible veterans and active duty with up to 100% financing. USDA loans limited to designated rural areas with income restrictions. All loans subject to credit approval and current rates. Membership and eligibility required.