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Today's Rates
Conventional Fixed Rate Mortgage
Interest
as low as
6.125%
APR
as low as
6.294%
No Closing Cost Refinance
Interest
as low as
6.75%
APR
as low as
7.115%

Why choose VACU for your home loan?

  • Competitive Rates

    We’ve got fixed-rate and adjustable-rate loans and low down payment options.

  • Local Mortgage Experts

    Our mortgage loan officers live in the area they serve and are ready to help.

  • Fast Pre-Qualifications

    Fast and free pre-qualifications let sellers and real estate agents know you’re serious about buying a home.

  • Home Loan Options

    Explore options for primary residences, second homes, investment properties, and land in Virginia.

  • Lock & Shop

    Lock in your interest rate for up to 360 days, giving you time to find your perfect home.

  • Joyner Fine Properties

    Save time and money. Go all in with us and you could qualify for our Welcome Home Discount.

  • Virginia Statewide Title Services

    Find affordable title insurance, as well as closing attorneys.

  • Home Loan Resources

    Helpful tools like online calculators, educational webinars, and more.

A kitchen

Home Equity Options

Tap into your home’s equity to cover large expenses with a home equity line of credit (HELOC) or home equity loan.

A mortgage loan officer helping a member

Mortgage Loan Officers

Whether you’re looking to buy or refinance, we have a team of local mortgage loan officers ready to help.

A man at his desk working on a computer

Mortgage Calculators

Use our handy calculators to see how much you can afford, if it makes sense to refinance, what your potential monthly payment could be, and more.

We can help you find the right mortgage.

Just like homes, mortgages come in many shapes and sizes. We’re here to help clear up the process. Our local mortgage experts can recommend the best mortgage to make the most of your money.