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Let's take on homeownership, together. From now until February 28, 2026, we're giving new homeowners $1,000 off closing costs, just for financing with us.

  • Choose from a wide variety of mortgage programs, including low down payment options.?
  • Save even more with our Welcome Home Discount, where the average member saves an additional $1,500-$2,100.?
  • Get competitive rates and expert advice from our local mortgage team.

Ready for your first home? We got you!

Our local mortgage experts can help you find the right financing for your budget.

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804-323-6800 VACU Routing Number 251082615
  • 1

    Virginia Credit Union is offering a $1,000 discount on closing costs on new mortgage loans for first-time homebuyers, subject to qualification and credit approval. This promotion is valid on new applications submitted between 9/01/2025 and 2/28/2026. The closing cost reduction will be limited to the lesser of $1,000 or lender closing costs and may not exceed maximum seller contribution limits set by program guidelines. Mortgage loan must close by 5/31/2026. This is not available for USDA or construction loan products. This offer can be used in conjunction with the Welcome Home Discount. It cannot be combined with any other promotion or discount and is subject to compliance with Virginia Credit Union's loan program guidelines. An individual is to be considered a first-time homebuyer if he or she (1) is purchasing the security property; (2) will reside in the security property as a principal residence; and (3) had no ownership interest (sole or joint) in a residential property during the three-year period preceding the date of the purchase of the security property. In addition, an individual who is a displaced homemaker or single parent also will be considered a first-time homebuyer if he or she had no ownership interest in a principal residence (other than a joint ownership interest with a spouse) during the preceding three-year time period.

  • 2

    Mortgage application required. Certain restrictions, limits, and other conditions apply.

  • 3

    The average discount of $1,500-$2,100 is based on loan amounts of $250,000-$350,000. Certain restrictions, limits, and other conditions apply. Contact VACU or Joyner Fine Properties for more information. Business conducted with Joyner Fine Properties, LLC is separate and distinct from any business with Virginia Federal Credit Union.

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