Family singing the paperwork for their new home.

Government Home Loans

FHA, VA or USDA home loans are offered at TwinStar.


TwinStar offers FHA, VA and USDA mortgage loans.

Government-backed home loans help people who may not qualify for conventional mortgages to buy homes. Here’s how it works: the government offers protection to lenders, who can then take bigger lending risks. This makes it easier for homebuyers to qualify for a home loan because the barriers are lowered. Often lenders will accept lower credit scores and higher debt-to-income (DTI) ratios, and in some cases, 0% down.

So, if you don’t have a stellar credit score or a down payment of 5% or more, a government-backed loan may be an option. You must, however, live in the home you are buying.

FHA Mortgage Loans

FHA stands for Federal Housing Administration, of which HUD is a part. Lower credit scores and higher DTI are accepted, and it is easier to get after bankruptcy or foreclosure. Down payments can be as low as 3.5%. Ask a TwinStar mortgage loan officer, who will be happy to walk you through the process.

VA Mortgage Loans (U.S. Department of Veterans Affairs)

VA loans helps service members, honorably discharged veterans, and eligible surviving spouses become homeowners. A big advantage is that no Mortgage Insurance Premium (MPI) is required, and you can get a loan with 0% down payment. If you think you may qualify and want more information, a TwinStar mortgage loan officer will be happy to answer questions and offer guidance.

USDA Mortgage Loans

USDA loans are backed by the U.S. Department of Agriculture, but you do not need to be a farmer or live in the sticks. Although the purpose of USDA loans is to help people buy in targeted rural areas, they are available in many places, including small towns. Population requirements can change with the specific area, so find out more by asking a TwinStar mortgage loan officer.

Ready to buy a home?

TwinStar Credit Union provides home loans with minimal fees and competitive rates with proven quality member service. We understand the local housing market, available financing options and we look out for you when it comes to your home and financial well-being. We’re committed to helping members find a great loan, at a great value. We will help make your dreams come true!

Please reach out to one of our TwinStar home loan experts at 800.258.3115.

All loans subject to credit approval. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Mortgaged property must be located in Washington or Oregon state. Certain restrictions may apply. Contact a mortgage loan officer for more details. Equal housing opportunity lender.