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FHA & VA Home Loans Page

More Paths to Homeownership

FHA and VA home loans are designed to make homeownership more accessible—with flexible requirements, lower down payment options, and added support for qualified buyers.

At Firstmark, we’ll help you understand your options and find the right path forward.

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Why Firstmark

Support you can count on

Navigating FHA or VA loans doesn’t have to be complicated. Our mortgage team is here to guide you through the process, answer your questions, and help you move forward with confidence. Read more about FHA and other options for first-time homebuyers.

  • Pre-approvals in as little as 48 hours
  • Flexible loan options for a variety of financial situations
  • Guidance through eligibility and application
  • Local mortgage experts you can talk to
  • Local servicing from start to finish, so that you always know who to call
  • Ask about our Firstmark Preferred Partners for extra discounts on realtor commissions and home insurance products
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Pre-Approval

Start with a pre-approval

The best way to understand what you may qualify for is to get pre-approved. We’ll help you explore FHA and VA options based on your situation.

  • Know how much home you may be able to afford
  • Confirm eligibility for FHA or VA programs
  • Shop confidently and stay ahead by identifying and resolving issues before they become roadblocks
  • Understand what’s included in your mortgage closing costs, so that there are no surprises
  • Strengthen your offer when you find the right home
  • Get pre-approved in as little as 48 hours

What Are FHA & VA Loans

Understanding your options

FHA and VA loans are government-backed mortgage programs that help make homeownership more accessible for qualified buyers. Contact us for current FHA and VA Loans interest rates.1,2

FHA Loans (Federal Housing Administration)

Best for: Buyers looking for flexible qualification options

  • Down payments as low as 3.5%
  • More flexible credit guidelines
  • Competitive interest rates
  • Available to a wide range of buyers

VA Loans (Veterans Affairs)

Best for: Eligible veterans, active-duty service members, and qualifying spouses

  • No down payment required (for eligible borrowers)
  • No private mortgage insurance (PMI)
  • Competitive interest rates
  • Designed to support those who have served
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Get pre-approved in as little as 48 hours.

Start My Pre-Approval
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Is an FHA or VA loan right for you?

FHA may be a good fit if you:

  • Have a smaller down payment saved
  • Are building or improving your credit
  • Want more flexible qualification requirements

VA may be a good fit if you:

  • Are a veteran or active-duty service member
  • Want to avoid a down payment
  • Prefer to avoid monthly mortgage insurance

Ready to take the next step?

Whether you’re exploring your options or ready to apply, our mortgage team is here to help you move forward with confidence.

Give us a call at (210) 308-7821, or fill out the form below.

Financial Wellness

Helpful resources for your homebuying journey

Understanding your options is the first step. These tools can help you plan ahead and feel more confident as you explore FHA and VA loans.

Helpful resources:

Explore Mortgage Calculators
View Homebuyer Resources

Quick Links

Mortgage Calculator
Current Mortgage Rates
NMLS Listing

Membership eligibility required. Services provided via partnership with TruHome Solutions, LLC (NMLS #284608) and are subject to credit and property approval. Other restrictions and conditions may apply. Programs and guidelines are subject to change without notice. Rates are subject to change daily. TruHome Solutions, LLC located at 6330 Sprint Parkway, Suite 200, Overland Park, KS 66211. See: www.nmlsconsumeraccess.org.

  1. FHA Home Loans: Mortgage rates and terms vary based on selected product, purpose and type, loan-to-value and credit score. Rates are subject to change until execution of an interest rate lock-in agreement. Subject to credit approval; not all borrowers qualify. Standard closing costs and fees apply. Firstmark Credit Union is not part of and does not represent any government agency.  FHA (Federal Housing Administration) loans have a maximum loan amount, which varies by county and is not intended for investment properties or second-home loans. Down payment as low as 3.5% of the purchase price.
  2. VA Home Loans: Mortgage rates and terms vary based on selected product, purpose and type, loan-to-value and credit score. Rates are subject to change until execution of an interest rate lock-in agreement. Subject to credit approval; not all borrowers qualify. Standard closing costs and fees apply. Firstmark Credit Union is not part of and does not represent any government agency. VA (Veterans Administration) loans available to eligible veterans and members of the armed services. No down payment for eligible members; up to 100% financing. VA loans not available for investment properties.
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