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Government Loans

Federal Housing Administration (FHA) Loans

FHA loans are federal assistance mortgage loans insured by the Federal Housing Administration (FHA). FHA mortgage loans are offered by Justice Federal Credit Union and referred to the affiliated lender, Credit Union Mortgage Association (CUMA).

Veterans Administration (VA) Loans

FVA loans are mortgage loans guaranteed by the U.S. Department of the Veteran's Affairs, issued by qualified lenders that enable Veterans and eligible active duty/reservists, retired veterans "and" their un-married surviving spouses to purchase a home with no down payment and less closing costs than traditional loans.

VA Loans are offered by Justice Federal Credit Union and referred to the affiliated lender, Credit Union Mortgage Association (CUMA).

For additional information, please contact Justice Federal Credit Union at 800.550.5328, select option 3.

Reverse Mortgages

A Reverse Mortgage is a unique loan that allows homeowners age 62 years and older to convert part of the equity in their home into monthly income or cash without having to sell the home, give up title, or take on additional monthly mortgage payments.

  • No monthly mortgage payments
  • No loan repayment until the member moves out permanently (sells home, passes away, etc.)
  • Member will never have to leave their home
  • Must be a homeowner (single family residence, condo, townhouse, manufactured housing built after June 1976)
  • No income or medical requirements to qualify
  • No credit or credit score requirements
For additional information, please contact Justice Federal Credit Union at 800.550.5328, select option 3.

Today's Rates

Rate APR* Points
30 Year Fixed Rate
 Rate  APR  Points
 3.250%  3.342%  0.000%
30 Yr. Fixed / 3% Down Payment
 Rate  APR  Points
 3.250%  3.342%  0.000%
20 Year Fixed Rate
 Rate  APR  Points
 2.875%  3.003%  0.000%
5/5 Adjustable Rate Mortgage
 Rate  APR  Points
 2.750%  3.491%  0.000%
10 & Done
 Rate  APR  Points
 2.500%  2.739%  0.000%

VIEW ALL RATES & PROGRAMS
*APR = Annual Percentage Rate. Conforming, Non-Jumbo Mortgage Rates include a 25 basis point discount for direct deposit of payroll or annuity into a Justice National Account or Beyond the Badge Checking Account.

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