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You’ve served courageously, and now it’s our turn to serve you. Cotton Belt FCU is proud to be a VA-approved mortgage lender.
VA loans provide flexible, money-saving features to help qualifying military families buy their dream home with no upfront costs. Plus, VA loans offer optional 100% cash-out refinancing to help you tap into the full value of your home equity for home improvements, debt consolidation and more.
We also provide construction loans for veterans who want to build their own homes or have received an adapted housing grant through the VA. Just ask us for more information!
We make the loan process as simple as possible:
Explore answers to common questions from homebuyers like you, so you can move forward with confidence.
VA loans are made available to veterans and active duty service members who have served for at least 90 continuous days. Surviving spouses and certain reservists may also be eligible. Learn more about VA loan eligibility on the Veterans Affairs website.
Unlike conventional mortgages, VA loans don’t require a down payment or PMI, but you usually have to pay a funding fee – an initial one-time fee that can be rolled into your loan. Talk to us about your situation, and we’ll help you review the details to make an informed decision.
Take advantage of our calculators to make informed choices for your future.
Determine your budget for a comfortable home purchase.
Weigh different loan types for your perfect mortgage match.
Estimate monthly payments to fit your financial plans.
As your local not-for-profit financial institution, we aim to deliver better rates, fewer fees, and helpful service every step of the way.
