Other Loan Options

Looking for a different type of home loan? Take a look below.

Get a little help moving into your new home

These loan programs lower the upfront costs

How long does it take to save enough money to make a down payment on a new house? For some families, the answer might be a frustrating "forever." At Excite Credit Union, we're happy to reduce the waiting period. We offer several programs that help certain buyers qualify for life-changing mortgage loans without having to fork over a fortune.

FHA Loans

If you're buying your first home, or you have less-than-perfect credit, a mortgage backed by the Federal Housing Administration might be just the ticket.

  • Low down payment as little as 3.5% of the purchase price
  • No maximum income/earning limitations
  • Fixed-rate loans are available
  • Maximum loan amounts vary by county

VA Mortgages

We salute your service. Active-duty military, veterans and reservists are all eligible for these affordable mortgages. 

  • Up to 100% financing—with as little as zero down payment for qualified borrowers
  • Fixed-rate loans available
  • More flexible credit guidelines than for conventional loans

Step up to Membership

Getting a membership with us isn't a transaction - it's a friendship, a partnership, a neighborhood-wide collab, a life-long pursuit of better, for you, me, us, them, and everyone else we hang out with in life.