FHA Mortgage Loans

Low Down Payments With RIVA Mortgage

An FHA loan is a mortgage insured by the Federal Housing Administration, an agency within the U.S. Department of Housing and Urban Development. An FHA loan allows for those who have a lower credit score and have little savings for a down payment to obtain a mortgage.

Benefits of a FHA Loan

  • ✓ Lower down payment required
  • ✓ Borrower will pay for mortgage insurance
  • ✓ Less rigorous lending requirements

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RIVA Mortgage Options Loan Flexibility Rate Security Lower Down Payment No PMI
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VA Loan
FHA Loan  
Jumbo Loan      
First Time Home Buyer  

RIVA and Langley Federal Credit Union

Buying a house is a big decision and finding the right mortgage company is just as crucial. At RIVA Mortgage, we offer personalized service to the Richmond area. We pride ourselves on being with you every step of the way for this important purchase. We offer personalized service with expert knowledge of the home purchase process.

RIVA Mortgage is powered by Langley Federal Credit Union, which has been working for over 80 years in Virginia to help its members Save, Borrow, and Spend Wisely. With this incredible partnership, we can offer you great rates and loan programs that are uniquely tailored to you. From Fixed Rate, Adjustable Rate to VA Loans we can service any of your mortgage needs.

For additional resources to reference during your home buying journey, please visit:

LangleyFCU.BalancePro.org >>

*APR=Annual Percentage Rate. 30-Year Fixed 6.125% (6.229% APR) - up to 60% LTV. The interest rate is current as of October 21, 2022. Offer applies to borrowers with a credit score of 740 or better depending on credit qualifications. The payment on a $200,000, 30-year Fixed-Rate Loan at 6.125% (6.229% APR) is $1215. Property insurance and, if applicable, flood insurance is required. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some restrictions may apply. This rate is applicable for owner-occupied purchase or refinance (no cash out) of a single family dwelling. The stated rate may change or not be available at the time of loan commitment or lock-in.