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FHA, VA, and USDA Loans

Conventional fixed-rate or adjustable-rate loans aren't your only options for becoming a homeowner. Depending on your qualifications, an FHA, USDA, or VA loan may help you find the solution best tailored to your needs.

Explore Your Options

FHA Loans

Features and Benefits

  • Good for first-time home buyers 
  • Lower down payments
  • Flexible terms
  • Lower credit score requirement
  • Gift funds can be used toward your down payment and closing costs

VA Loans

Features and Benefits

  • For qualified veterans, active duty personnel and their spouses
  • Flexible terms
  • Low, fixed rates
  • Low or no down payment
  • Lower credit score requirement
  • Gift funds can be used toward your down payment and closing costs

USDA Loans

Features and Benefits

  • Good option if you are purchasing in a rural community
  • No down payment required for eligible properties and home buyers
  • Low, fixed rates
  • Lower credit score requirement
  • Income eligibility cap varies by community

Your Dream Home Starts at Azura

Our home loans team is dedicated to providing you with the Above & Beyond experience you deserve when applying for an FHA, USDA, or VA loan.


Over 50 years of knowledge and passion in the home loan lending industry.


We can make decisions, provide solutions, and respond quickly to your individual needs.


Our Home Loan Resource Center provides Above & Beyond tips and information to elevate the home buying process.


Voted as the "Best in Kansas" by Forbes in 2022, our Home Loans Team is the best choice for the best service from the best credit union in Kansas.

We're here to help!

If you have questions about your specific financial situation, we encourage you to apply online first. Without an application, we can answer general questions about our loan programs and process.

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Frequently Asked Questions

USDA loans are government-backed loans that can help you buy a home in a suburban or rural area. USDA loans don’t require a down payment with a qualifying credit score. The home you want to buy must also be in an eligible rural area; you can check your potential home’s eligibility on the USDA website.

The U.S. Department of Veterans Affairs backs VA loans. VA loans are only for veterans, current military personnel and qualifying surviving spouses. The approval process will require you to have a valid certificate of eligibility (COE) as proof that you qualify for the loan. Like USDA loans, VA loans don’t require any down payment when buying a home. However, both types of loans still require the homebuyer to pay closing costs.

Federal Housing Authority (FHA) Loans are mortgage loans that have a lower down payment and credit requirements, making them accessible to more people. Depending on where you live, you can get an FHA loan with as little as 3.5% down. The downside of an FHA loan is that you’re required to pay an upfront mortgage insurance premium equal to 1.75% of your total loan value, followed by monthly mortgage insurance payments. Depending on the size of your down payment, you may be paying monthly mortgage insurance for the life of your loan

What else would you like to know more about?

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