Alert Icon

FRAUD ALERT:  Members have reported receiving phone calls from scammers acting as our Fraud Department, asking for card numbers, PIN numbers, and secure access codes. As a reminder, we will NEVER ask you for this information. If you’re in doubt, hang up and call us at 540-663-2181.

Reset Password / First Time User

NCUA logo


Apply for a loan

Main Content

VA Loans


VA Loans

Veterans can buy a home with zero down payment and limited closing costs, plus competitive rates.



A veteran reunites with her family outside a home bought with a VA loan.


Get These Benefits With a Topside FCU VA Loan



Because they're insured by the U.S. Department of Veterans Affairs, VA loans let Veterans and other eligible service members buy homes with easier qualifying and no down payment.

  • Down payments start at 0%.
  • You get a competitive APR for your entire loan term.
  • Loan terms are 15 or 30 years to suit your budget and goals.
  • Down payments start at 0% with no private mortgage insurance (PMI) needed.
  • Depending on your eligibility, you may need to pay the VA Funding Fee.
  • You don't need to pay private mortgage insurance (PMI).
  • Closing costs are typically lower than conventional loans.
  • You need to meet your lenders' income and credit criteria.
  • You can apply online to get your VA loan through Topside FCU.
  • Your VA loan will be expertly serviced by our partners at Credit Union Mortgage Association (CUMA).

Apply today so you can buy the secure home you deserve!

Apply Now
A military family together in their home bought with a VA loan.



“Top level credit union. PERFECT size, large enough to offer competitive loan rates, but small enough to still care about members!”



Take Advantage of Our VA Loan Features


Competitive APR

Lock in a fixed rate so your payments remain steady through the life of your loan.

HarmonyLoan™ Feature

If market rates drop, you can potentially change your rate instead of doing a costly refinance.

Mortgage Calculators

Find your ideal home price and payment with our home financing calculators.

Easy Management

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

Simple Application

Get your details and documents ready then hit apply, and sign documents electronically.



Tools to Assist Your VA Loan Application:



VA Loan FAQs


More Home Loan and Home Equity Financing Tools


FHA Loans

Whether you're a first-time homebuyer or a repeat buyer, FHA loans offer easier qualifying, lower down payments, and lower mortgage insurance than conventional loans.

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.