• Great for any home buyer
• Rate is fixed over the life of the loan
• Custom terms from 10 to 30 years
• 3% to 5% minimum down payment
• Private Mortgage Insurance (PMI) required with less than 20% down
• Minimum credit score of 620
• Can use HFA Preferred™, Downpayment Plus®, and employer assistance
• Great for purchase or refinancing

• Custom terms from 10 to 30 years
• Lower initial interest rate than most fixed-rate loans
• Rates are fixed for an initial time period such as 1, 3, 5, or 7 years. Then, rates can increase or decrease annually, tied to changes in the Index Rate
• We offer adjustment and lifetime interest-rate caps to limit the rate increase/decrease from one adjustment period to the next and which limit the rate increase over the life of the loan
• No negative amortization or pre-payment penalties
• 3% to 5% minimum down payment
• PMI required with less than 20% down
• Minimum credit score of 620 for Conventional ARM (or we have other options)
• Can use HFA Preferred™, Downpayment Plus®, and employer assistance

• For first-time or repeat home buyers
• Rate is fixed over the life of the loan
• 3.5% minimum down payment
• 1.75% Upfront and monthly PMI required. Lower PMI with down payment of at least 10%.
• Minimum credit score of 580
• Can use HFA Preferred™, Downpayment Plus®, and employer assistance
• Insured by the Federal Housing Administration (FHA)

• For eligible veterans, reservists, active-duty personnel, or surviving spouses
• Rate is fixed over the life of the loan
• Can be used multiple times
• No down payment or PMI required
• Low closing costs 
• Minimum credit score of 580
• Can use HFA Preferred™, Downpayment Plus®, and employer assistance
• Great for purchase or refinancing
• Insured by the the U.S. Department of Veterans Affairs (VA)

• For loan amounts over $802,650¹
• 15 and 30 year terms available
• Fixed or adjustable rate options
• Flexible down payment
• PMI required
• Low closing costs
• Owner-occupied 1-2 units
• 43% maximum debt-to-income ratio 
• 6 months of mortgage payments must be held in reserves 
• Minimum credit score of 720
• Great for purchase or refinancing

1 $802,650 is the 2025 conforming loan amount threshold and subject to change

• Designed to help serve today’s credit-worthy lower-income borrowers
• For first-time or repeat home buyers
• Terms between 10 and 30 years 
• Fixed or adjustable rate options 
• 3% minimum down payment
• Lower PMI required 
• Minimum credit score of 620
• Can use HFA Preferred™, Downpayment Plus®, and employer assistance
• Great for purchase or refinancing
• Homeownership education course may be required

• Available to doctors and residents with an MD, DO, DMD, DVM, or DDS degree and an employment contract²
• No down payment² 
• No PMI on loans up to $1,000,000; loan amounts up to $2,000,000 available 
• Minimum credit score of 680
• 15 and 30 year terms available
• Fixed or adjustable rate options 
• No prepayment penalty
• 50% maximum debt-to-income ratio 
• Great for purchase or refinancing a primary residence
• Contact us for more information and to get started

2 Proof of sufficient income or active employment contract with proof of sufficient income and reserves required. Minimum reserves required vary depending on amount of the loan. Maximum loan amount at 100% financing is $1,000,000. Higher loan amounts available. 

• Available only in certain rural areas
• Rate is fixed over the life of the loan
• 15 or 30 year terms 
• No down payment
• Low PMI required
• Minimum credit score of 620

• Your loan remains with FNCU
• Great option for non-warrantable condos, prior financial struggles, and other unique situations 
• Custom terms from 10 to 30 years
• Fixed or adjustable rate options 
• 15% minimum down payment
• No PMI required 
• Flexible minimum credit score

• Short-term loans using your home's equity to purchase your next home before your existing home has sold
• Offers you a buyer's advantage to buy the home you want, when you want it