Help for our military and more

If you’re looking for a more affordable path to homeownership and navigating some of the traditional buyer’s hurdles — like down payment requirements — we have options to help you find the mortgage loan you need.

An FHA loan is a mortgage loan insured by the Federal Housing Administration. A VA loan is designed for military members, veterans and surviving spouses, and is guaranteed by the Veterans Affairs Department. These loans provide buyers, including first-time homebuyers, with additional lending options.

Apply for an FHA or a VA loan

Which mortgage loan fits my needs — an FHA or a VA loan?

Life stage


FHA loan

• First-time homebuyer • Seeking a loan option with a lower down payment • Seeking to use gift funds as a down payment • Concerned about debt-to-income ratio

VA loan

• Service member, veteran, surviving spouse • Would like to secure a loan without a down payment requirement • Concerned about debt-to-income ratio

Low down payments


FHA loan

Available down payment option as low as 3.5 percent of the purchase price

VA loan

Up to 100 percent financing with no down payment for qualified veterans, active-duty personnel, reservists and eligible family members

Low closing costs


FHA loan

No loan origination fee option means more money in your pocket (slightly higher rates will apply)

VA loan

No loan origination fee option means more money in your pocket (slightly higher rates will apply)

Apply for an FHA or a VA loan

FAQ FAQs

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Still have mortgage questions?

Loans subject to credit approval. Rates and terms subject to change without notice. Mortgage loans are available only on property in Texas. Origination fee program not available for short term loans, FHA or VA loans. RBFCU NMLS# 583215. FHA/VA loans offered through RB Mortgage LLC (NMLS# 862516). RB Mortgage LLC is primarily owned by RBFCU Services LLC. RBFCU Services LLC is affiliated with Randolph-Brooks Federal Credit Union.