When you buy a home, make an informed decision on your mortgage loan term. Use this calculator to determine if 15 or 30 years is best for you. Lending products are subject to credit application and approval. Investment, Insurance and Non-deposit Trust products are: NOT A DEPOSIT • NOT FDIC. Huntington offers Department of Veterans Affairs (VA) loans1 and other government-backed loans. These specialty loans often feature low to no down payment.