VA Loan

Get up to 100% financing and reduced closing costs with a VA Loan for current service members, veterans, and their family members.

calculator

disclaimer

Veteran mom high fiving her daughter after moving into their new home.

Eligible

Members who are active military, veterans, and family members

Flexible

Get lower income and credit guidelines

Zero Down

Up to 100% financing available

Why get a VA Home Loan?

You bravely chose to serve our country. It is our honor to serve you and your financial needs. One way we do that is with a VA home loan from the U.S. Department of Veterans Affairs (VA). The VA offers loan programs to help service members, veterans, and their families buy homes.

When you qualify for and choose a VA Loan,¹ you may have the ability to finance up to 100% of the home purchase and get reduced closing costs. Also, VA loans may not require Private Mortgage Insurance (PMI). The Department of Veterans Affairs sets the terms for loan qualification and guarantees any loan made under the program.

To get started as a Civic member who is a veteran or current service member, access your eligibility online with the VA. Registration is free, immediate, and provides information on many benefits available to you. With your certificate of eligibility (COE), you have evidence that the VA will “stand behind” your loan. Obtaining a COE does not guarantee loan approval.

If you have never owned a home, or have not owned a home in the past three years, you may be eligible for a grant through the First-time Homebuyer Program. This grant can help with down payment, closing costs, or to reduce the principal on your home loan.

Our teams are proud to help our veterans, current service members, and their families become homeowners.

Veteran and his family enjoying time together.

Terms

Available to active-duty service members, veterans, eligible surviving spouses
Certificate of Eligibility (COE) is required
May not require down payment or private mortgage insurance
Fixed-rate terms

Features

Buy, build, improve, or refinance a home
Register online for certificate of eligibility (COE)
Get reduced closing costs
Make homeownership a reality

Apply for a VA Loan

Finance up to 100% of the home purchase with a VA Loan from Civic

see payment and income calculators

Visit the Mortgage Center

We've partnered with the Credit Union Mortgage Association (CUMA) for a streamlined homebuying process. Apply online through the Mortgage Center and a CUMA agent will reach out to you to talk next steps to pre-qualification.

For the best member experience, use the Mortgage Center with a desktop or laptop computer.

Civic percent graphic to help find the best rate for your mortgage.

1. Find your rate

Civic graphic that shows how easy it is to apply for a mortgage.

2. Apply online

3. Talk with an agent

FHA Loan

FHA Loans can make homeownership more accessible, with lower requirements to qualify.

Lower minimum requirements for income and credit score, and lower down payments
Option to use financial gifts toward down payment
Loans are backed by the Federal Housing Administration

learn more

Couple posing in front of their newly purchased home.

Special mortgage programs

Special mortgage programs can help take some stress out of homebuying. They add value to your homeownership experience by keeping it affordable.

First-time Homebuyer Program
Community Partners Program
Workforce Housing + Program

learn more

You know the details matter (and you are in good company)

Here are a few FAQs

What is an escrow account?

It’s an account held by your mortgage service provider that holds money from your monthly mortgage payments to pay your taxes and insurance when they are due.

What is cash-out refinancing?

This is where you get a mortgage loan for more than you currently owe on your home. The difference between the new, refinanced mortgage and the balance on your previous mortgage goes to you as cash at closing.

Is a fixed-rate mortgage better than an adjustable-rate mortgage?

Your needs will determine which one will best fit your unique circumstances. A fixed-rate mortgage has predictable payments for the entire term of your mortgage loan. An adjustable-rate mortgage (ARM) starts off as fixed and moves to a variable – meaning a changing rate. An ARM option can be helpful for short-term ownership, but your specific needs will help inform your decision.

How do I pay my property tax?

Each month, when you make your monthly mortgage payment, your lender will take a portion of that money and put it in your escrow account. Your mortgage servicer will hold that money until your property taxes and insurance are due.

View All FAQs

Apply for a VA Loan and get up to 100% financing

Open to qualifying veterans, service members, and family members who are ready to become homeowners

apply today

1 Subject to approval. Property must be in NC, SC, GA (current Civic members only), VA, or TN; member must reside in one of these states. Loans offered through Department of Veterans Affairs for home purchase by service members, veterans, and their families. VA sets loan qualification terms; requires VA Certificate of Eligibility.