Government Mortgages

Loan guarantees from U.S. Government are enabling thousands of borrowers to obtain mortgages with little or no money down. Below is a comprehensive list of the government backed mortgage programs offered by Keesler Federal. To see which one is right for you and to determine eligibility, contact us for more information.

FHA Mortgage* - Federal Housing Administration loans offer more flexible lending standards and lower down-payment requirements which makes them popular with borrowers.

  • Small down payment (usually 3.5%) required on purchases
  • Down payment funds can be a gift from a family member
  • Fixed interest rate
  • Terms up to 30 years*
  • Purchase or refinance

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VA Mortgage** - Veteran’s Administration loans allow eligible Veterans and Active Duty Military personnel the opportunity to finance the purchase of a home or refinance their existing mortgage.

  • No down payment required
  • Fixed interest rate
  • Terms up to 30 years*
  • Up to 100% LTV which can include the funding fee (if required)
  • Purchase or refinance
  • No monthly mortgage insurance

Apply Now


VA Refinance Mortgage*** - The Veteran's Administration Refinance loan can be a very simplified process and requires much less paperwork to complete. Refinancing your existing VA mortgage may save you on your monthly payments by reducing your interest rate.

  • On most rate and term refinances, no appraisal is required
  • No income verification is required to qualify
  • No out-of-pocket costs
  • Expedited closing process

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USDA Mortgage**** - The USDA mortgage is a 100% financing program for qualifying properties and borrowers. They provide competitive rates in rural communities.

  • No down payment required
  • Fixed interest rate
  • Terms up to 30 years*
  • Up to 101% of appraised value to include a 1% funding fee
  • Seller can contribute up to 6% in closing costs and pre-paids
  • Purchase or refinance

Apply Now