A-VA-loan-from-Finex-Credit-Union-helps-our-military-heros-get-a-home.

A VA Loan To Reward Your Military Service

Thank you! It's because of you and your service that we are able to enjoy the freedom we have today. Please take advantage of the financial break our VA loan offers to qualifying service members, veterans, and surviving spouses.

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Affordable VA Loan Rates

1 APR = Annual Percentage Rate. The displayed APR represents the lowest possible rates available. Rates are based on credit history and are subject to change without notice.

2 Conforming jumbo rates available for loans that exceed conforming limits and are for amounts up to $1,089,300 depending on property location.

Discounted rate of 1.50 BPS applies only to First-Time Homebuyer purchases only. FHA, and other certain types of loans may be excluded from the Home Loan Special.  Members who are not First-Time Homebuyer eligible, are able to receive a max 7/6 ARM rate discount of 1.00 BPS. on a new purchase only, refinances are excluded. The rate discount is based off the listed 30-year rate on the day the rate lock occurs. 

Rates as of July 12, 2024
Term
Rate
Points
APR1
Term
Rate Buy-Down Mortgage
Rate
4.875%
Points
0
APR1
5.00%
Term
30 Year Fixed
Rate
6.875%
Points
0
APR1
7.00%
Term
15 Year Fixed
Rate
6.50%
Points
0
APR1
6.70%
Term
FHA, CHFA, VA and USDA
Rate
Market rates
Points
APR1
Term
30 Year Fixed Conforming Jumbo2
Rate
Market rates
Points
APR1

1 APR = Annual Percentage Rate. The displayed APR represents the lowest possible rates available. Rates are based on credit history and are subject to change without notice.

2 Conforming jumbo rates available for loans that exceed conforming limits and are for amounts up to $1,089,300 depending on property location.

Discounted rate of 1.50 BPS applies only to First-Time Homebuyer purchases only. FHA, and other certain types of loans may be excluded from the Home Loan Special.  Members who are not First-Time Homebuyer eligible, are able to receive a max 7/6 ARM rate discount of 1.00 BPS. on a new purchase only, refinances are excluded. The rate discount is based off the listed 30-year rate on the day the rate lock occurs. 

Get in touch with us or start your VA loan application here:

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Buy Your Dream Home or Refinance and Save

VA Home Loan Perks

Wherever you are in your military career, we want to help you make homeownership more affordable. If you are looking for one of the best VA loan lenders, eligible service members can count on Finex Credit Union to get the discounted pricing they deserve! Ready to get pre-approved to lock in your rate? Apply now!

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No Down Payment

You don't need to pay any money upfront as long as the sale price of your home isn't higher than the appraised value (what the house is worth).
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No Mortgage Insurance

Pocket the extra savings! No need to pay PMI (Private Mortgage Insurance) that is typically needed for other conventional mortgages.
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Flexible Money

Use the money to buy new, build from the ground up, or improve your current house. Looking to refinance? Our VA loan options still have you covered!
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You've Earned This

What Is A VA Loan And Is It For Me?

A VA home loan is backed by a government agency which means eligible members of the military can benefit from more flexibility and savings!  On top of no down payment or mortgage requirements, you can use the money to:

  • Buy a new home.
  • Improve your current house.
  • Refinance your existing loan.
  • Take out cash with a cash refinance.
Apply Now
CindyBerger
Stress-Free Mortgage Experience

Your Personal Mortgage Advisor

Meet Cindy Berger, your personal mortgage loan advisor. Enjoy a streamlined mortgage process so you can get into your dream home stress-free. If you are just starting to look or ready to get pre-qualified get in touch with me today!
  • Expert Trusted Advice
    She has more than 20 years of experience in Credit Union Mortgage Lending.
  • Custom Mortgage Options
    She is there with you every step of the way providing solutions to your unique needs.
  • Relationship Not Just a Transaction
    She has a passion for helping people like you to look out for your best interest.
Get In Touch

What our members are saying...

"Fantastic experience with the team here. From day one, they were on it. They offered a very competitive rate and terms. They really differentiated themselves with service. Great communication throughout, easy process to get them things. The best mortgage experience I’ve ever had bar none. I highly recommend them."
Scott
"The whole refi process was effortless with no stress. Everyone we dealt with was helpful and informative. I will be highly recommending them to everyone. The process from start to finish went smoothly and much quicker than I expected."
Dawn
"They were great to work with! They made the process very straightforward. Communication was great so I always knew where we were in the process. Thanks so much!"
Thomas
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Your Mortgage Questions, Answered

Frequently Asked Questions

Does it make financial sense to rent or buy a home?

We get the question a lot, but there's no right or wrong answer as it depends on a variety of factors. To help you determine this, contact Cindy Berger, our Mortgage Loan Advisor, will give you the guidance and expert advice you are looking for.

How can I determine what I can afford?

For starters, you can use our home affordability calculator to get an estimate of how much house can fit comfortably within your budget. Furthermore, you can reach out to us, and we can tell you exactly what you can be pre-approved for before you go house hunting.

How do I get pre-approved?

We make the process easy. Contact Cindy Berger, our Mortgage Loan Advisor, to get pre-approved so you are armed and ready when you start shopping for a home.