No down payment required
VA Loan
You've served around the world. Now it's time to build a life here in Hawaii.
Lower rates and closing costs
Choice of fixed-rate or adjustable-rate loans
When you're ready to put down roots, a VA Loan serves your needs
At Maui County Federal Credit Union, we've been part of this community for years — and we know that buying a home can feel overwhelming, especially after years of moving. That's why we want to walk you through every step, not just hand you paperwork.
Maui County FCU's VA Loan is a mortgage backed by the U.S. Department of Veterans Affairs, requiring no down payment to finance 100% of an eligible veteran's, active-duty service member's, or surviving spouse's home purchase. It's one of the most powerful homebuying tools available to those with a military service history.
VA Loans require no down payment, allowing eligible borrowers to finance 100% of their home purchase.
No income limits or restrictions and flexible credit score requirements open the door to homeownership to more people.
Closing costs on VA Loans are regulated by federal law, protecting you from excessive fees.
There's no penalty for early loan repayment because we want you save money on interest payments.
A VA funding fee of 2.15% or 2.40% applies based on your military status, and you can roll that fee into your financing.
VA Loans are for primary residences only and maximum loan amounts apply.
Make your dream home a reality with Maui County Federal Credit Union's home loan options with competitive loan rates. Contact a member of our team today to get started, or apply online.
VA Loan FAQs
A VA funding fee of 2.15% or 2.40% applies, depending on your military service history, and can be rolled into your financing instead of paid upfront. Closing costs are capped by federal law. Beyond the funding fee, specific closing cost figures and any origination fee are {ADD FINAL CONTENT HERE!]
No down payment is required; eligible borrowers can finance 100% of the purchase price. VA Loans are limited to primary residences, and maximum loan amounts apply.
You can choose either a fixed-rate VA Loan, where the rate is locked for the full term, or an adjustable-rate VA Loan, where the rate is fixed for an initial period and then adjusts based on market conditions.
Meet VA eligibility requirements as a veteran, active-duty service member, or eligible surviving spouse, and hold a valid Certificate of Eligibility.
Purchase a primary residence; VA Loans aren't available for investment properties or second homes.
Meet Maui County FCU's credit and underwriting approval standards.
A VA funding fee of 2.15% or 2.40% applies, depending on your military service history, and can be rolled into your financing instead of paid upfront. Closing costs are capped by federal law. Beyond the funding fee, specific closing cost figures and any origination fee are are confirmed by Maui County FCU.
Resources for Managing Your Money
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Determine your monthly mortgage payment.
Learn how to keep your accounts and information secure.
Bank smarter with convenient digital tools and features.
View current rates for loan products.
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