Make homeownership more affordable with a VA Home Loan

Heartland Credit Union Real Estate 30 March 2026

The big picture

For those who have served, buying a home should feel attainable—not overwhelming. A VA Home Loan helps eligible veterans, active duty service members, and surviving spouses purchase a home with no down payment and no private mortgage insurance (PMI). It’s a powerful benefit designed to make homeownership more affordable from day one.

Why it matters

Saving for a down payment and paying monthly mortgage insurance can delay or derail the homebuying process. VA loans remove both of those hurdles. With 100 percent financing and no PMI, you keep more money in your pocket each month—without sacrificing competitive rates or long term stability.

It’s a benefit earned through service, and one that can make a meaningful difference over the life of your loan.

The details

A VA Home Loan offers flexibility and long term value for eligible borrowers. Here’s what you can expect:

$0 down with 100 percent financing
No PMI required, helping lower monthly payments
Competitive fixed rate options, including up to 30 year terms
Flexible credit guidelines compared to many conventional loans
Limits on closing costs, with options for sellers to help pay them
Support from an HCU Real Estate Loan Consultant from pre approval through closing

Eligibility

Available to eligible veterans, active duty service members, and qualifying surviving spouses
VA Certificate of Eligibility (COE) required
Membership required

Our team will help you understand eligibility and guide you through every step of the process.

The bottom line

A VA Home Loan is one of the most valuable homebuying benefits available—offering no down payment, no PMI, and affordable, predictable payments. It’s a smart way to turn your service into long term financial stability.