VA Home Loans

Are you a veteran, service member or a surviving spouse? Whether you are looking for your next home, or to refinance an existing home loan, a VA mortgage might be the right option for you.

Available exclusively to service members, veterans or surviving spouses, a VA home loan could save you thousands in closing costs and interest over the life of your loan. Unlike conventional loans, VA loans don’t require mortgage insurance (MI), since they are backed by the Department of Veterans Affairs. VA Loans usually offer more competitive rates, flexible underwriting, and no income limits. Plus, they offer up to 100% financing and lower closing cost fees for qualified buyers. It’s a win-win!

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Benefits of a VA Home Loan


Mortgage Terms	Down Payment	VA Funding Fee
15 & 30 Years	$0 Down	$0 for Disabled Veterans & Surviving Spouses

ADDITIONAL BENEFITS

Available for Military Service Members or Surviving Spouses
No Mortgage Insurance (MI) or Private Mortgage Insurance (PMI)
Flexible Underwriting
No Prepayment Penalty
Competitive Interest Rates

Why Choose Redstone for Your Home Loan?

Competitive Rates & Closing Costs

When your choose Redstone, you get great rates, flexible terms, and low closing costs.

Team of Experts

Our Mortgage Team has years of experience and knows the real estate industry inside and out.

Local Servicing

From monthly payments to escrow and insurance, Redstone services^* nearly every mortgage we make.

See What Our Members Are Saying


"What an easy application process! Staff was available to answer questions throughout the entire process."


"Redstone made the application process easy, especially for someone who has never applied for a home loan."


"Redstone's application process is probably the easiest and most intuitive application I have ever completed online."

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*Local loan servicing may not be available on VA loans. RFCU is not affiliated with any government agencies, including Veteran’s Administration (VA). The VA and RFCU are separate entities. RFCU is a VA-approved lender. Applicants will need to provide a Certificate of Eligibility (COE). The COE verifies to the lender that you are eligible for a VA-backed loan. See https://www.va.gov/housing-assistance/home-loans/how-to-request-coe/ for details. VA funding fee applies.

Mortgages are only available for properties located in Alabama and Tennessee.

Loans subject to credit approval. Must be eligible for membership and open a share savings account to obtain a mortgage loan product. A $5 minimum balance is required to open a share savings account and must be maintained in the share savings account at all times. Annual Percentage Rate (APRs) are determined by an evaluation of applicant credit before or at consummation. Your APR may be different. Variable rates are subject to change after consummation of the loan. Fixed APRs are fixed for the life of the loan. Other restrictions may apply. Rates, terms, and conditions are subject to change without notice. RFCU is an Equal Opportunity Lender. Contact Credit Union for details. Various types of mortgage loan programs and terms are available. Must have online banking user name and PIN/password to access online application for Home Equity Lines of Credit. Must create separate user name and password to gain access to mortgage application process.