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Government Home Loan Options

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Proudly supporting those who serve

VA loans are a special type of home mortgage reserved for active military members and veterans. These home loans are guaranteed by the U.S. Department of Veterans Affairs. The benefit of VA loans is they typically have less down payment requirements, no private mortgage insurance (PMI), and competitive rates.


Flexible lending requirements with FHA loans

Don't have the cash for a large downpayment? With a FHA 30 Year Fixed loan you can buy a home with a down payment as low as 3.5%. This loan also has more lenient credit score and income requirements than other mortgages.


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Make owning a home a reality with a USDA Loan

USDA loans are offered by the U.S. Department of Agriculture as part of its Rural Development Guaranteed Housing Loan program. USDA home loans are available to rural and suburban home buyers who meet certain eligibility requirements and feature 100% financing and below-market mortgage rates.

  • No Down Payment Required
  • Affordable Interest Rates
  • Low Monthly Payments
    (Both geographical & income qualifications required

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Start your application online!

It’s easy to apply for your CRCU real estate loan with our online application.

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Our loans typically close in 25 to 45 days.

Your annual percentage rate will be dependent upon total loan amount, term chosen, and individual financial circumstances.  Rates based on an evaluation of each member’s credit history, loan-to-value (LTV), loan amount, loan purpose, and other factors; so your rate and terms may differ. All loans are subject to credit approval. Under certain circumstances an escrow account for taxes and insurance may be required. Does not include taxes and insurance. Some restrictions may apply. Offer subject to change or cancellation without notice. CRCU membership required. Individual loan circumstances vary and actual funding may exceed stated timeframe.