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VA Loans

Your Service
Our Expertise

VA Loans

Relax...you're home. It's our turn to serve you. With over 70 years of serving our military service members, we are your VA Loan experts!

Apply Now Apply Now - https://mortgageportal.aafcu.com/home/mortgage-application VA Loans VA Loans
Get Up To $1,500!
Unlock Big Savings with a VA Loan!

Are you a veteran or active-duty service member? You can get up to $1,500 toward your VA loan closing costs!1 It’s one of the smartest ways to finance a home—low cost, fewer restrictions, and built just for you.

Want to know if you qualify? We’re happy to help!
  • Call Our VA Loan Expert Today!
    800.223.1983 ext. 1130
  • We’ll walk you through every step and help you take advantage of your VA loan benefits.

Want Even More Cash?

Who doesn’t love a little extra money? Open a Free Rewards Checking Account and get $250 in your pocket! With no monthly fees, access to free ATMs, and great perks, it’s the easiest way to boost your budget.

But hurry —this offer won’t last forever!

Show Me The Money*
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Give Me The Details

We’re here to help active-duty military and veterans maximize their VA Loan Benefits.

With our centrally located mortgage team, we offer more flexibility and faster loan decisions.

  • We offer VA (Cashout) Refinances and VA (IRRRL) Streamline Refinances

  • VA loans are available up to $1 million in some cases. Most loans over the conforming limit may require a down payment

  • Purchase loans may not require money out-of-pocket (ask about closing cost options)

  • Credit guidelines may be less restrictive than Conventional loans

Schedule an Appointment

A conversation is a great place to start. Schedule an appointment with a Mortgage Loan Officer and they'll find the best loan options for you!

Schedule Now
Get More Information

To speak with a VA Loan Specialist call: 719.593.8600 or 800.223.1983

Prefer we call you instead?

Complete the form and a VA Loan Specialist will call you at a time that is convenient for you.

VA Loans - AACU VA Loan FAQs

VA loan eligibility generally requires qualifying military service, whether active-duty, veteran, or certain surviving spouses, as determined by the Department of Veterans Affairs. The mortgage team can confirm your specific eligibility before you apply. Check your eligibility for AACU membership alongside your VA loan.

Most qualifying VA loans at AACU require no down payment, a key advantage over conventional financing that typically demands one. Loans above the conforming limit may still require some down payment. Compare a Swing Loan if you're also selling a current home.
A VA IRRRL, or Interest Rate Reduction Refinance Loan, lets AACU members refinance an existing VA loan into a lower rate with reduced documentation compared to a standard refinance. It's built specifically for borrowers who already hold a VA loan. Check your eligibility before starting an IRRRL application.
VA loan credit guidelines at AACU tend to run more flexible than conventional loan requirements, reflecting the program's federal backing for military borrowers. Exact requirements still depend on your full financial picture. Compare an Adjustable-Rate Mortgage if a VA loan isn't the right fit.
VA loans through AACU can reach up to $1 million in some cases, though loans above the standard conforming limit may require a down payment depending on your entitlement. A mortgage loan officer can confirm your specific maximum. Check your eligibility and speak with a VA loan specialist today.
Disclosures

1 Closing cost discount of up to $1,500 will be applied at loan closing, is applicable to VA residential purchase or refinance loans only, and excludes any zero closing cost products that may be available.

VA loan programs are not controlled by AACU. Program requirements subject to change. Restrictions and requirements apply. Ask a mortgage loan officer for details. Membership requirements apply, hundreds of ways to join. Subject to approval.

Air Academy Federal Credit Union: NMLS# 454287

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