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We know that not everyone can afford the home buying process in today’s highly competitive market. If you are looking for a more affordable path to homeownership, FHA/VA/USDA loans are government-sponsored mortgages that are intended to help families become homeowners with little to no down payment required.
FHA mortgages, backed by the Federal Housing Administration, are designed with your needs in mind. These loans are perfect for first-time homebuyers, those without cash for a down payment, or anyone with past credit issues. FHA mortgages usually come with lower closing costs, have no income limits, and have credit and guideline criteria that help buyers get approved without having impeccable credit.
The U.S. Department of Veterans Affairs guarantees a VA loan, and, as you might have guessed, it offers long-term financing to eligible veterans or their surviving spouses. Unlike traditional loans, VA loans do not require private mortgage insurance (PMI). They offer more competitive rates, flexible underwriting, and no income limits. They also offer 100% financing and no minimum investment for qualified loans.
USDA Rural Development loans are designed to promote homeownership to people in rural communities, even if they have limited income and limited savings for a down payment. If your community qualifies, then this program offers flexible underwriting and zero down payment, although it does have some income limits.
If you are interested in a FHA, VA, or a USDA Loan, please contact our Mortgage Loan Officer, Brian Allen today at 916.212.9375
Plan For Your Future with our financial calculators. These calculators can help with everything from debt consolidation, "breaking even" on a mortgage refinance, comparing renting versus owning a home, and more! Still, have questions? Contact our Mortgage Loan Officer, Brian Allen today at 916.212.9375
With more than 20 years of experience in the mortgage lending industry, Brian brings a wealth of knowledge, expertise, and professionalism to his role as a Senior Mortgage Lending Advisor at HCCU. Committed to delivering an exceptional service experience, he provides members with the information they need to confidently understand their loan options while guiding them to a solution that meets their goals.
Beyond his professional role, Brian enjoys traveling, attending sporting events, boating, and skiing with his family
Janice R. refinanced her home loan with HCCU, reducing her rate. This saved her several hundred dollars a month that she put toward other debt. She also received cash out from the refinance.
New HCCU member, Bob C. shared his experience: "I am committed to moving the majority of my financial business to Heritage Community Credit Union. I am doing this to say 'thank you" for [Brian's] superior service in this loan transaction. The process was fast and professional. HCCU staff were straight up, but polite, and utilized every option available to help."
916.212.9375
NMLS ID 507225
1Financing up to 97% LTV is available for loan amounts up to $647,200. All loans exceeding 80% LTV will require Private Mortgage Insurance. Subject to credit approval and property valuation. APR, terms & conditions subject to change. Property insurance required; flood insurance may be required. Limited to owner-occupied one-to-four family unit properties located in California. Excludes manufactured homes, mobile homes, and commercial properties. Other restrictions on property may apply.
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