Two women are moving boxes into a living room.
Mortgage | Government Loans
Liberty FCU offers government mortgage loan products
Programs to meet any mortgage need!

Popular Government Mortgage Loans

A family playing with a dog in a yard.
FHA Loan

Down payments as low as 3.5% and more lenient requirements for income and credit history.

A man and a woman are sitting on a couch with a child on their laps.
USDA Loan

$0 down – 100% financing available for homes outside of city limits with competitive interest rates.

A beautifully manicured lawn with a flag and flowers.
VA Loan

Available to eligible veterans and active-duty military personnel. No down payment and fixed-rates.

What our members are saying
Photo of family/person outside their dream home.

"Liberty FCU was incredibly helpful throughout the entire process of buying my home. They communicated often, reminding me of documents needed to process my loan. My loan officer was there to support me every step along the way and there to celebrate with me during closing. I couldn't be happier with the services provided by Liberty and with my new home!"

Tracy Huck
Indiana
Star Icon
previous-slide
next-slide
Photo of family/person outside their dream home.

"Liberty FCU was incredibly helpful throughout the entire process of buying my home. They communicated often, reminding me of documents needed to process my loan. My loan officer was there to support me every step along the way and there to celebrate with me during closing. I couldn't be happier with the services provided by Liberty and with my new home!"

Tracy Huck
Indiana
Star Icon
Photo of family/person outside their dream home.

"From the initial interaction, it was clear that our loan officer was knowledgeable, experienced, and genuinely cared about clients beyond the transaction. Despite the complexity of construction loans, Liberty made the process seamless and maintained consistent communication. Their commitment to accessibility, transparency, and personalized attention stood out, especially since we hadn’t encountered such care from a loan officer before."

Chad Ramirez
Tennessee
Star Icon
Photo of family/person outside their dream home.

"My experience with Liberty FCU has been great. I love the quick and direct communication with my loan officer. As a first-time buyer, I felt reassured by the clarity of our exchanges. I could not recommend working with them enough."

Jorge Mosquera
Dallas, TX
Star Icon
Photo of family/person outside their dream home.

"Throughout our nearly 12-month home search, Liberty FCU maintained excellent communication, monitored mortgage rates, and provided options without pressure. When our offer was accepted, the responsive loan officer guided us through closing, and the user-friendly online portal made document uploads easy. I highly recommend Liberty FCU for mortgages."

Tracy Penneau
North Carolina
Star Icon
Photo of family/person outside their dream home.

"Liberty is a fantastic lender to work with. They are always available to answer questions and provided excellent guidance throughout the process. I truly appreciated my loan officer's expertise and dedication to ensuring a smooth experience. I will definitely seek out his help in the future for any lending needs."

Quoc Nguyen
Jacksonville, FL
Star Icon
Photo of family/person outside their dream home.

"Liberty was great to work with to get me into my first home. They made sure the process went smooth and I knew everything every step of the way. I will always recommend Liberty. I am forever grateful for them and their team."

Cheyanne Carnahan
Indiana
Star Icon

Loans are subject to credit review and approval. A sample principal and interest payment on a (30)-year $200,000 fixed rate loan amount with a 7.125% interest rate (7.205% APR) is $1,629 including taxes, insurance, and PMI. This sample is based on a credit score of 760 and a LTV of 95% (5% down payment) and includes our loan rate discount. Actual interest rate may vary based on credit history, loan purpose, loan to value, etc. Product offerings may vary by state or region. Visit LibertyFCU.org/mortgagecalculator to calculate payments with other terms, balances, or rates.

The rate may vary depending on each individual’s credit history and underwriting factors. All loan programs, rate terms and conditions are subject to change at any time without notice. Not available on manufactured homes. Property insurance required. Minimum loan amount may apply. Other restrictions may apply. *Down payment funds may also come from someone else in the form of a gift, so long as that gift and the giver meet certain FHA requirements, according to HUD 4155.1 Chapter Five Section B. **Other lending guidelines apply according to HUD 4155.1 Chapter Four Section A.1.f.

Liberty FCU mortgage lending product availability may vary based on property location.