- Down payments as low as 3.5%
- More lenient requirements for income and credit history
- Gifts are allowed for down payment and closing costs
Our FHA program can make your dream of home ownership a reality!
USDA Rural Housing Loan
- $0 down – 100% financing available
- Small towns, suburbs, and exurbs of major cities qualify
- Competitive interest rates
Looking for a home outside the city limits? A USDA Rural Housing Loan may be right for you.
- Available with no down payment
- Fixed-rates available at terms up to 30 years
- Loan amounts between $50,000–$453,100
The VA loan is available to eligible veterans and active-duty military personnel.
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What our clients are saying
“The process of selecting the options that best suited my needs was simplified by the approach of the loan officers. I always appreciate how they spend as much time as needed to explain processes and answer questions. It makes it a stress free experience.”
Kristi Deetz ★★★★★
“Throughout the loan process everyone at ETFCU treated us with respect and was so professional. We feel the interest rate and the ease of auto pay are two things we definitely love about our home loan. We would definitely steer people we care about towards ETFCU for their banking needs.”
Rick Stinson ★★★★★
"Simple and very easy to apply, submit requirements and staff made it very convenient to schedule closing. Ease from start to finish!"
David Burke ★★★★★
"The customer service at ETFCU is superb. Everyone works as a team. The process was smooth and painless. I truly enjoy doing all of my banking with you."
Tracy Liebert ★★★★★
Loans are subject to credit review and approval. A sample monthly payment on a 30-year fixed loan amount, based on a $100,000 purchase price with $3,500.00 down (3.5% minimum down payment required), no points, monthly payments based on an interest rate of 3.75% interest rate, is $522.50. Rate listed is for a first-lien mortgage on owner-occupied single-family detached primary residences only. The payment listed does not include property taxes or homeowners insurance, MI is included.
The rate may vary depending on each individual’s credit history and underwriting factors. All loan programs, rate terms and conditions are subject to change at any time without notice. Not available on manufactured homes. Property insurance required. Minimum loan amount may apply. Other restrictions may apply. *Down payment funds may also come from someone else in the form of a gift, so long as that gift and the giver meet certain FHA requirements, according to HUD 4155.1 Chapter Five Section B. **Other lending guidelines apply according to HUD 4155.1 Chapter Four Section A.1.f.
ETFCU mortgage lending product availability may vary based on property location.