VA Loans

You served our country, now let us serve you. We will help you find the best product to suit your needs.

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VA Loan Features
  • 0% down option
  • No flipping restrictions
  • No monthly mortgage insurance (PMI)
  • Flexible credit qualifications
  • Closing costs can be paid by gift funds or seller
  • No cash reserve requirements for 1 unit
Product Options
VA standard fixed rate
  • 620 minimum credit
  • Up to 41% debt-to-income or debit ratios
  • Up to 100% loan-to-value ratio when refinancing to a VA loan
VA refinance rate reduction (streamline)
  • 620 minimum FICO
  • Up to 41% debt-to-income ratio
  • Simplified requirements when new payment is within 20% of previous payment
  • Rate reduction refinance for existing VA loans
VA high balance fixed rate
  • 640 minimum FICO
  • 90% loan-to-value ratio
  • Up to 55% debt-to-income ratio max
  • No manufactured homes
Meet the McKinleys A 0% Down Mortgage Success Story

The McKinleys share their story about how owning a house became possible with a 0% Down Mortgage from Consumer Credit Union.

All loans subject to approval. Program available on purchase of single family primary residence on less than 5 acres. Rates, terms, and conditions are subject to change and may vary based on credit worthiness, qualifications, and collateral conditions.