Home Purchase Rates


Virginia Credit Union offers some of the best mortgage rates around and a variety of mortgage programs to meet your needs.

Effective Date: 12/14/2018 10:23:18


The loan product and rate examples seen here are current as of the effective date shown above. These rates are for illustrative purposes only. Other product and rate options are available. Your actual rate and APR are dependent upon your application and may vary based on factors such as your credit score, loan purpose, occupancy, property type, loan amount, and the value of your home. Interest rate and APR are updated daily and subject to change without prior notice. Please note that an origination fee may be included in the APR.

You can view assumptions and a payment example by clicking on a rate or APR above.

*Points are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don’t want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR.

For more information about home purchase mortgages, please call (804) 323-6800 or (800) 285-6609 or get started by having a mortgage loan officer contact you.