Mortgage Center

Because You Are a Hero, Your Down Payment Could Be Zero

All veterans deserve a place to call their own. With a 0% down payment VA loan, that dream can happen sooner than you think, backed by ACU and the Department of Veterans Affairs.

Apply for Your VA LoanSee VA Loan Benefits
Servicewoman embracing her children during a homecoming
0%
Down Payment
$0
PMI
Fixed
Interest Rates
13
Branches (3 on JBLM)
Why Choose a VA Loan

A Home Loan Built Around Your Service

A VA loan means both ACU and the Department of Veterans Affairs have your back, so you and your family can enjoy your home in peace.

No Down Payment Needed

Buy Your Home With Zero Down

Find the home to suit your off-duty lifestyle, and we will help you navigate the process of making it yours.

  • 0% down payment
  • Buy sooner than you think
  • Guidance through every step
  • Backed by ACU and the VA
Start Your Application
0%
Down Payment
$0
PMI Required
VA
Backed Loan
Local
Guidance
Choose Your Term

Pick the Term That Fits Your Budget

Enjoy low monthly payments over a longer term, or pay your loan off faster with a shorter term.

  • 15 or 30 year terms
  • Lower payments with a longer term
  • Pay off faster with a shorter term
  • Flexibility to fit your budget
View Rates and Fees
15 yr
Shorter Term
30 yr
Longer Term
Lower
Monthly Payments
Your
Choice of Budget
Fixed Interest Rates

Know Exactly What Is Coming Up

A competitive, fixed interest rate gives you peace of mind. You do not need to worry about changes in the market.

  • Fixed rate for the life of the loan
  • Predictable monthly payments
  • Protection from market swings
  • Peace of mind
Meet the Mortgage Team
Fixed
For the Life of the Loan
Steady
Monthly Payments
No
Market Surprises
Peace
Of Mind

Serving Those Who Serve, Right Here on JBLM

With three branches on JBLM and ten in the surrounding community, we are ready to serve our active-duty and veteran members. Call or visit your local branch to make an appointment to discuss your VA loan needs.

Call or text 253-964-3113 Call 866-968-7128
Branches on JBLM

Three Branches on Base

Stop by any of our JBLM branches to sit down with a dedicated team that understands military life.

Madigan Branch

9035 Jackson Ave
JBLM, WA 98433

JBLM Main Branch

2201 N. 12th St
JBLM, WA 98433

North Fort Branch

11574 A Street
JBLM, WA 98433

See the full list of ACU's thirteen branches across the community.

Why ACU for Your VA Loan

A Lender That Knows Military Life

America's Credit Union has served the military community since 1954. A VA loan with ACU pairs a strong benefit with a dedicated team that answers the phone.

Zero Down Payment

Buy your home with 0% down, so you do not have to wait years to save for a deposit.

No PMI

VA loans skip private mortgage insurance, which keeps your monthly payment lower.

Fixed Rates

A competitive fixed rate keeps your payment predictable for the life of the loan.

Serving Veterans and Active Duty

We have served the military community since 1954 and understand your world.

3 Branches on JBLM

Sit down with a dedicated team on base, plus ten more branches in the community.

VA-Backed Security

Your loan is backed by the Department of Veterans Affairs, so you are never on your own.

Getting Started

Applying for a VA Loan Is Simple

Three steps stand between you and the keys to your home. Our dedicated team walks you through each one.

1

Make an Appointment

Call or text 253-964-3113, or visit a JBLM-area branch to sit down with our team.

2

Gather Your Documents

We tell you what you need to show you qualify and get pre-approved for your VA loan.

3

Find Your Home and Close

Once pre-approved, find a home in your budget and we guide you all the way to closing.

★★★★★
“Better than a bank. Have always answered our questions and concerns quickly.”
Tommy O.
KC Lodging Inc.
Requirements at a Glance

What Your VA Benefit Includes

The VA home loan is one of the strongest benefits earned through service. Here is what it covers and what lenders look for.

$0

Down Payment

No down payment required with full entitlement, and no VA loan limits since 2020 for full-entitlement borrowers.

None

Monthly Mortgage Insurance

VA loans carry no monthly mortgage insurance, which keeps the payment lower than most low-down alternatives.

0.5%-3.3%

One-Time Funding Fee

Waived entirely for members with service-connected disabilities, certain surviving spouses, and active-duty Purple Heart recipients.

COE

Certificate of Eligibility

Confirms your entitlement. Your ACU consultant can help you request your COE from the VA.

VA LoanConventional
Minimum down payment$0 with full entitlementAs low as 3%
Mortgage insuranceNone, one-time funding fee insteadPMI required under 20% down
Credit score guidelineNo VA-set minimum; lenders often look for about 620About 620
Loan limitsNone with full entitlement$832,750 conforming (2026)
Who is eligibleVeterans, active duty, some Guard and Reserve, eligible surviving spousesAny qualified borrower

Figures shown are common industry guidelines and 2026 program limits, provided for education. Guidelines vary by program and change over time. Your ACU Home Loan Consultant will confirm exactly what applies to your loan.

Common Questions

VA Loan FAQ

Answers to the questions veterans and active military ask most about VA loans.

The funding fee is a one-time charge, generally between 0.5% and 3.3% of the loan amount depending on down payment and prior VA loan use, that keeps the program running. It can be financed into the loan, and it is waived for members with service-connected disabilities, certain surviving spouses, and active-duty Purple Heart recipients.
Veterans, active-duty service members with 90 or more continuous days of service, some National Guard and Reserve members, and eligible surviving spouses. You will need a Certificate of Eligibility from the VA, and the home must be your primary residence. Your ACU consultant can help you request your COE.
With both, you take out the loan from a private lender such as a credit union, and you provide documents to qualify and get pre-approved. The difference is that a VA loan is backed by the Department of Veterans Affairs and requires the home to meet VA property requirements. In exchange, VA loans allow a 0% down payment and no private mortgage insurance.
VA loans are available to veterans and active military. They are subject to VA eligibility requirements and credit approval, and membership with America's Credit Union is required. We would love to have you join us if you are not a member yet.
No. A VA loan allows a 0% down payment, so you can buy a home sooner than you think. ACU and the Department of Veterans Affairs guide you through the process from application to closing.
No. VA loans do not require private mortgage insurance, which lowers your monthly payment compared with many conventional loans that require PMI when you put down less than 20%.
You can choose a 15-year or 30-year term with a fixed interest rate. A longer term gives you lower monthly payments, and a shorter term lets you pay the loan off faster. Your rate stays fixed for the life of the loan.
Call or text 253-964-3113, or visit a JBLM-area branch to make an appointment. Our dedicated team tells you what documents you need to qualify and get pre-approved, then guides you to closing.

Disclosures

VA loans are subject to VA eligibility requirements and credit approval. The home must meet VA property requirements. Rates and terms subject to change without notice. Property insurance required. Membership required. America's Credit Union is a federally chartered credit union insured by the NCUA. NMLS #449181. Equal Housing Lender.

Your Service Earned This Benefit

Zero down, no PMI, and a dedicated team on JBLM ready to help. Call or text 253-964-3113 to start your VA loan.

Apply Now Call 253-964-3113
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