Home Buyer's Guide
All the information to take in as a first time home buyer can be overwhelming. Our guide outlines the process for you.
30 Year VA Loan1
as Low as
Rate: 5.750%
0.000% POINTS
VA Loans
Purchase your dream home with little to no down payment and competitive interest rates.
VA Loans are backed by the Department of Veterans Affairs and can make homeownership achievable with convenient financing options. Our lending team is here to guide you through the process every step of the way. Schedule an appointment with one of our lenders to talk through your options for financing today.
Check out our rates
15 Year VA Loan1
as Low as
Rate: 4.990%
0.000% POINTS
Mortgage Payment Calculator2
Benefits of VA Loans
- No down payment required
- No private mortgage insurance
- Low closing costs
Eligibility requirements
- Available to Active Duty Military Members, Veterans, and surviving spouses of deceased veterans.1 Apply for your Certificate of Eligibility with the VA.
- Flexible credit score requirements
- The loan must be for your primary residence
Do you want to know more? Our lending team is here to help you through this process, whether you're looking for a VA loan, a conventional mortgage, or one of our other options. Schedule an appointment to discuss your options with one of our expert lenders today!
Ready to take the next step?
Fill out this form and one of our expert lenders will reach out to you to walk you through the process.
FHA Loans
Flexible down payment and credit score options to make purchasing a home possible for everyone.
DISCLOSURES
Rates Section 1 Rate 1 Disclosure
Rates Section 1 Rate 2 Disclosure
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Rates Section 1 Rate 4 Disclosure
Rates Section 2 Rate 1 Disclosure
Rates Section 2 Rate 2 Disclosure
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Rates Section 2 Rate 4 Disclosure
1 APR = Annual Percentage Rate. These rate offers are effective 08/21/2025 and subject to change. Rates displayed are the "as low as" rates for purchase loans and refinances. Rates are based on creditworthiness, loan-to-value (LTV), occupancy, and loan purpose, so your rate and terms may differ. All loans subject to credit approval. Rates are subject to change without notice.
Purchase loan scenario. Refinance rates may be higher. The information provided assumes the purpose of the loan is to purchase a property located in Idaho, and is within Nez Perce County. The property is an existing single family home valued at $300,000 and will be used as a primary residence with no down payment. VA loans require a VA funding fee that can be financed. The maximum VA loan varies based on the amount of the veteran’s entitlement. The payments provided reflect the funding fee being financed for a fixed rate VA mortgage with an adjusted loan amount of $306,450.00. An escrow (impound) account will be established. The rate lock period is 45 days and the assumed credit score is 780 or greater.
Payment example for a VA fixed rate loan for $306,450 for 15 years at 4.990% interest rates and 5.308% APR will have an estimated 180 monthly payments of $2421.80.
Taxes and insurance are not included in the payment examples above; therefore, the actual payment obligation will be greater. All loans subject to credit approval.
All VA rules, guidelines and additional program requirements will apply. All loans subject to approval. P1FCU has no affiliation with U.S. Department of Veterans Affairs or any other government agency.
2 Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.