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Please note that our PO Box address has changed to: PO Box 202020; Austin, Texas 78720. Please update your records for any future mailings. 

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.

Apply for a VA Loan
UHCU VA Home Loan Benefits

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%.

600x450 VA CTA

Ready to Get Started?

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.
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.