VA & FHA Mortgage Loans

You can buy your dream home sooner with a low or no down payment mortgage loan.

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Benefits of our VA and FHA Loans in Virginia

Low to No Down Payment

Don’t wait for years to save money for a down payment. These options allow for a 3.5% or no down payment at all.

Flexible Credit Requirements

As a result of government support, we are able to extend loans to individuals who have less-than-perfect credit scores.

Seasoned Advice From Argent

Our mortgage professionals will guide you through the process and answer any questions you may have.

What You Need to Know About an FHA loan.

Saving up for a 20% down payment can take several years, and building up credit scores to the highest level can be challenging. However, with an FHA loan, you don’t need perfect finances for owning a home.

Here are the details:

  • Federal Housing Administration (FHA) loans are a great option for first-time home buyers.
  • Buy your home with a down payment as low as 3.5% of the purchase price.
  • You can use gifted funds to pay for the down payment or closing costs.
  • You can qualify even if your credit score is less-than-perfect.
  • A co-applicant can also help with qualification, even if they won’t be living in the home.
  • You may have to pay FHA Mortgage Insurance Premium (MIP) upfront and annually.
  • Your new home must meet FHA appraisal guidelines. 
  • No reserve requirements for one-unit or two-unit properties.

Getting started is easy. Simply click the button below to start your FHA loan application.

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What You Need to Know About a VA loan.

The unwavering dedication, commitment, and selflessness of the men and women who serve in the U.S. military are truly inspiring. We are honored to support these individuals and their families in finding a wonderful home.

That’s why we offer VA loans with no down payment, no mortgage insurance, and affordable rates to our military community in the Richmond area.

Here are the details:

  • You can enjoy up to 100% financing.
  • Get lower monthly payments by avoiding PMI (Private Mortgage Insurance).
  • You can use gifted funds to pay for closing costs.
  • No cash reserve requirements.
  • Possibility to waive VA funding fees for veterans with service-related disabilities.
  • Wide range of mortgage types and terms available.
  • Eligibility extends to active duty, non-active duty, and retired military.

Don’t wait any longer to get your dream home. Take advantage of all the benefits you qualify for and start your VA loan application by clicking the button below.

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Our FHA & VA Mortgage Application Process Is Simple and Secure!


Apply Online

Get your documents ready then enter your details into our user-friendly online portal.


Quick Review

A mortgage loan officer will contact you by the next business day and check that you’re eligible for the FHA or VA mortgage.


Enjoy Your Low Rates!

Once approved, we’ll confirm the details of your loan and you’ll begin making payments on your new home loan.


“Stress-free mortgage experience.”

– Diane M.Y.

“Seriously, Argent is the best bank I’ve ever been with. Thank you guys for being consistent, friendly, timely and helpful!”

– Morgan-Taylor M., Chester, VA

“Love this credit union. Always loyal to their customers and have earned my business for life. Always take care of those who take care of you!!”

– Brian W., Chester, VA

FAQs About FHA & VA Loans, Virginia

Do veterans need a Certificate of Eligibility for a VA loan?

Yes, veterans must obtain a Certificate of Eligibility, also called COE, to be eligible for a VA loan. The COE is issued by the Department of Veterans Affairs (VA) and verifies a service member’s eligibility for the VA loan program.

You can obtain a COE through the Department of Veteran Affairs. Your VA lender may also assist you during the process to help you obtain the document.

What is the FHA home appraisal?

What rates will I get for my VA or FHA loan?

Can I refinance a VA or FHA loan at a later date?

What information and documents do I need to give Argent when I apply for my FHA or VA mortgage?

Do I need to become a member at Argent to get a VA or FHA loan?

Why join Argent?

Get Prequalified

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Mortgage Resources

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