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FHA Loans


FHA Loans

Start your homebuying journey today with easier qualifying, lower down payments, and lower mortgage insurance than conventional loans.



A happy family sits on the porch of their home bought with an FHA loan.


Benefits of an FHA Loan from Topside FCU



What You Need to Know About Your FHA Loan

Because they're insured by the Federal Housing Administration, FHA loans offer the chance for more people to buy a home through easier qualifying.

  • The FHA is part of the U.S. Department of Housing and Urban Development (HUD).
  • You need to meet income and credit criteria but these may be more flexible than other home loans.
  • You get the same competitive APR through the life of your loan.
  • Loan terms are 15 or 30 years to suit your budget and goals.
  • Down payments start at 3% with no private mortgage insurance (PMI) needed.
  • Upfront mortgage insurance and monthly insurance premiums can be rolled into your loan and cost less than PMI.
  • You can apply online to get your FHA loan through Topside FCU.
  • Your FHA loan will be expertly serviced by our partners at Credit Union Mortgage Association (CUMA).

Apply today to get one step closer to your dreams of homeownership!

Apply Now
family laying on the floor of their new home they bought with an FHA loan



“Have been banking with Topside since we got married in 1966, my husband before that. Always been pleased with the kindness we received, not to mention always there when we needed a loan. We have used Topside for car, mortgage, credit card debt. Extra cash for home repairs, you name it we have always depended on Topside for all our financial needs. THANKS, a Colonial Beach customer!”

H. and J. Stine


Our FHA Loans Come With These Built-In Features


Fixed APR

We offer competitive fixed rates so your payments remain steady through the life of your loan.

HarmonyLoanTM Feature

Save on the hassle and cost of a refinance – change your rate with a click if market rates drop.

Mortgage Calculators

Use our home financing calculators to easily crunch your numbers.

Simple Access

Make payments and access your Topside accounts with free Online and Mobile Banking.

Easy Application

Just gather all your details and documents, hit apply, and sign documents electronically.



Tools to Assist Your FHA Loan Application:





More Convenient Home Loan and Home Equity Options


VA Loans

If you're an eligible U.S. Veteran or active duty service member, a VA loan offers low rates with generous terms and no down payment so you can enjoy living in your own home.

Learn More

Adjustable-Rate Mortgage (ARM) Loans

ARMs offer a lower initial rate so your payment is lower at first, too. Later, your rate adjusts with the markets. Ideal if you'll sell soon or want a great rate now.

Learn More

Home Equity Loans and Lines of Credit

Pay for renovations, weddings, college, debt consolidation, and anything else you want through a low-interest lump sum loan or a revolving line of credit.

Learn More


*APR = Annual Percentage Rate.