VA Loans

Helping our servicemembers and Veterans buy or refinance a home.

Firefighters First Credit Union understands the unique needs of firefighters and their families, and we’re here to help you take advantage of the VA home loan benefits you deserve. We’re committed to guiding you through the home-buying process with competitive rates, helpful resources, and exclusive membership benefits designed to support you every step of the way.

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VA Loan Benefits

  • No Down Payment: Move in without having to save for years - finance 100% of your home's price.
  • No Private Mortgage Insurance (PMI): Skip costly monthly insurance fees and keep more of your paycheck.
  • Low, Competitive Rates: Save thousands over the life of your loan with rates often lower than conventional mortgages.
  • Easier to Qualify: Flexible credit and income rules mean more firefighters can qualify.
  • Lower Closing Costs: The VA limits what lenders can charge, so you pay less up front.
  • Use It Again & Again: This isn't a one-time deal - you can use your VA benefit throughout your life.
  • Assumable Loan: Transfer your VA loan to another qualified buyer when selling - a big advantage if rates rise.

You've served our country; now let us serve you by finding the right mortgage for you.

VA FAQs

A VA Loan is a mortgage backed by the U.S. Department of Veterans Affairs. It's designed to help eligible servicemembers, Veterans, and certain surviving spouses buy, build, or refinance a home - often with better terms than other loans.

  • Active-duty servicemembers
  • Veterans
  • National Guard & Reserve members
  • Certain surviving spouses

No - you can use your VA loan benefit as many times as you qualify for it.

No. VA loans let you finance up to 100% of your home's value.

No. There's no private mortgage insurance, which can save you hundreds each month.

The VA limits closing costs, but there's typically a one-time VA funding fee (which can be rolled into the loan).

Yes. You can use a VA Interest Rate Reduction Refinance Loan (IRRRL) to lower your rate, or a VA cash-out refinance to access your home's equity.

VA loans are primarily for primary residences - single-family homes, certain condos, manufactured homes, and some multi-unit properties.

Closing times are often similar to conventional loans - typically 30 to 45 days.

Go ahead! There's no prepayment penalty.

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    Disclosure:
    Firefighters First Credit Union is an Equal Housing Lender. This is not a commitment to lend. Loans are subject to credit approval and program guidelines. Terms and conditions apply and are subject to change without notice. Firefighters First Credit Union is not affiliated with or endorsed by the U.S. Department of Housing and Urban Development (HUD), or the U.S. Department of Veterans Affairs (VA). NMLS ID # 649058