Government Loans

Government Home Loans

Mortgage options for FHA and VA loans.

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Government Home Loan Rates as Low As

APR Effective 12/13/2019*


VA 30 Year Fixed

VA Purchase 0% Down


FHA 30 Year Fixed

*See important information about rates, fees and other costs

Sometimes unusual situations require financing that thinks outside the box, and we‘ve got that covered. If a standard loan just won't meet your needs, explore your options with a VA or FHA government loan with a variety of non-traditional fixed-rate and ARM loans available at BECU.

FHA Loans

  • Low down payment (3.5%)
  • Great option for less than perfect credit borrowers
  • Closing costs and fees can be included in the loan so you'll need less cash up front.
  • More flexible underwriting qualifications

VA Home Loans

  • No and low down payment options - up to 100% financing
  • No private mortgage insurance needed, regardless of the down payment amount
  • Limited closing costs and fees
  • Flexible credit qualification guidelines
  • Fixed rate and adjustable rate mortgages available

Loan Details:

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*BECU reserves it's right to revoke this offer at any time.

**Income limits may apply. Homeownership education at a cost of $75 (paid to Framework) required. HomeReady is a trademark of Fannie Mae. Loans are subject to credit approval and other underwriting criteria. Certain restrictions apply. Home Loan programs, terms and conditions subject to change without notice.