Built for Those Who Serve—and Those Ready to Own

Whether you’ve served our country or you’re ready to take the next step into homeownership, we’re here to help you get there—without the typical barriers. From exclusive VA benefits to zero down payment options, our home loan solutions are designed to make buying a home more accessible, affordable, and within reach.

VA Home Loan

You served, now let us serve you. You’ve earned your VA benefits—now make the most of them with a Frontwave VA Home Loan. Available to active-duty service members, veterans, National Guard and Reservists, and eligible surviving spouses.3

Why Choose a VA Loan with Frontwave?

  • Zero down payment – Keep your cash where it counts
  • No PMI – Save hundreds each month
  • Competitive fixed rates – Lock in peace of mind
  • Fast closings2 – Because life moves fast

No Down Payment Mortgage

Think you need a big savings account or first-time buyer status to become a homeowner? Think again. With Frontwave’s No Down Payment Mortgage, you can move in with zero down1 and start building equity, whether it’s your first home or your fifth.

Zero Down with Frontwave gets you:

  • 100% financing1 — even if you’ve owned a home before 
  • No income limits — your eligibility isn’t capped 
  • Straight answers — real humans, real help, no scripts 
  • Fast local decisions — underwritten right here in SoCal

Want to Learn More?

Fill out this simple form. We’ll follow up with info and a free quote.

Looking to Refinance
Your Loan?

If you want to lower your interest rate, cut your monthly payment or switch to a fixed-rate loan, a VA Interest Rate Reduction Refinance Loan (IRRRL) is the way to go. Get a quick quote today and see how much you could save. No hidden fees. No hassle. Just a better deal.

Talk to a Home Loan Expert Today

You’ve got dreams. We’ve got the mortgage to match. Our Home Loan Consultants walk you through every step so you can focus on what matters - getting the keys to your dream home.

Let's Connect
Disclaimers

1 Property must be owner-occupied. 100% financing available up to $806,500 in Riverside and San Bernardino Counties, and up to $1,077,550 in San Diego County. Other limits may apply based on location, loan type, and borrower qualifications. Rates and terms vary based on creditworthiness and property. Private mortgage insurance (PMI) may be required. Not all borrowers will qualify. All loans are subject to credit and underwriting approval. Program availability and terms are subject to change without notice.

2 All home loans are processed at our Oceanside, CA, headquarters.

3 Eligibility for VA loans is subject to the Department of Veterans Affairs guidelines. Please confirm eligibility before applying.

Frontwave Credit Union is an Equal Housing Lender. NMLS #445243.