Owning a home is one of life’s biggest milestones, and at Rally Credit Union, we’re making that journey easier with FHA loans. Whether you’re a first-time buyer or looking for a more accessible financing option, an FHA loan can help you get the keys to your dream home—with less stress and more savings.

Why Choose an FHA Loan?

FHA loans are designed to open doors for more homebuyers by offering:

• Accessible Financing Options – FHA loans are designed to help more people qualify for homeownership with just 3.5% down and more lenient credit score requirements.
• Flexible Down Payment Options – Not only is the minimum down payment just 3.5%, but you can also use gift funds.
• Easier Qualification – FHA loans have more lenient credit and debt-to-income (DTI) requirements, making homeownership possible for more people.
• Shorter Waiting Periods After Financial Hardships* – If you’ve experienced a bankruptcy or foreclosure, FHA loans typically have shorter waiting periods before you can qualify again.
• A Variety of Home Options – FHA loans allow you to purchase different types of homes, including multi-unit properties, provided you occupy one of the units as your main residence.

Homeownership Starts Here

At Rally Credit Union, we believe in making home financing simple and accessible. With an FHA loan, you can secure the financing you need, even if you’re working on building your credit or saving for a down payment.

Ready to explore your options? Our Home Loan Experts are here to guide you every step of the way. Visit our Home Loan page, call us, or stop by your nearest branch to get started!

Ready to take the next step? Here’s how it works:

1. Pre-Qualification: Start by applying for pre-qualification with Rally Credit Union.
2. Guided Support: Our home loan experts will guide you through the process, including obtaining your Certificate of Eligibility (COE).
3. Documentation: Filed Tax Returns (1040) - W2/1099 for the two most recent years, Bank Statements for the two most recent months, Copy of Government Issued ID, and Proof of Income.

Additional Resources:

Home Loan Calculators
Find a Home Loan Expert

We're Here to Help

New Home Loan Inquiries: Call 1-800-622-3631 and press 5, then 2
Existing Home Loans: Call 1-866-840-4152
Home Loan Payoff Requests: Call 1-866-840-4152

Learn More Apply Now

^{*All applicants must still meet the qualification criteria, and approval is not guaranteed.}