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VA Loans

Finding a place for veterans to call home.

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Helping Veterans Find a Place to Call Home

At United Heritage Credit Union, our roots are in the military. Founded as the official credit union of Bergstrom Air Force Base in 1957, we understand the sacrifices made by those who serve. With our VA loans, we offer eligible service men and women the opportunity to become homeowners.

UHCU VA Home Loan Benefits:

  • Up to 100% financing
  • No private mortgage insurance (PMI)
  • Get pre-qualified with no up-front costs
  • Competitive rates
  • No application fees
  • Assistance navigating the home-buying process
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Qualifying for a VA Loan

When you apply for a VA Loan, we'll want to make sure you have sufficient income and that you're eligible for this type of loan. If your situation meets the VA's guidelines for type and length of service, a Certificate of Eligibility will be issued to confirm you're eligible. If you haven't already requested one, we'll apply for your Certificate of Eligibility to save you some time.

To qualify for a VA Loan with United Heritage, we recommend having a credit score of at least 620 and a debt-to-income ratio of no more than 50%.
Veteran at home

Ready to Get Started?

We can walk you through the process.

Our experienced loan specialists are ready to help you every step of the way. Submit an application now to get started. We'll reach out to answer any questions you may have.
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United Heritage Credit Union is a VA approved lender; not endorsed or sponsored by the Dept. of Veterans Affairs or any government agency. United Heritage policies, terms, conditions and restrictions apply. Rates and fees subject to change without notice. Membership required. Closing costs apply. Equal Housing Opportunity. NMLS #630601.
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