We make it easy for first-time buyers
Our local mortgage experts know first-time buyers and are here to help you find your first home.
With competitive rates and flexible terms, we have everything you need all under one roof.
Discover low down payment options for first-time buyers, like FHA loans.
Get fast and free pre-qualifications, letting sellers and real estate agents know you’re serious about buying.
Grants like our VACU First-Time Home Grant to help cover down payments, closing costs, and more for qualified buyers.
Lock in your interest rate for up to 360 days, and shop with less pressure.
FHA Loan
Rates as low as
Good option for first-time buyers with a down payment as low as 3.5%.
Conventional Fixed Rate Mortgage
Rates as low as
Good option if you want a consistent payment for the life of the loan.
Conventional Adjustable Rate Mortgage (ARM)
Buy your first home in 4 simple steps
- First things first, you should talk to a mortgage loan officer about your goals, timelines, finances, and different mortgage options.
- From there, our mortgage loan officers can help you get pre-qualified to show sellers and REALTORS® that you’re ready to buy. Plus, by obtaining your pre-qualification, you’ll be able to see what you can realistically afford.
- Your pre-qualification is valid for 90 days.
- If you haven’t already, contact a REALTOR® to help you find your right home. Consider a REALTOR® from Joyner Fine Properties to unlock potential savings at closing with our Welcome Home Discount.
- Shop with less pressure with our Lock & Shop program and lock in your interest rate for up to 360 days.
- Once you find the right home, make an offer!
- Once your offer has been accepted, you’ll need to complete the required inspections and appraisal, something your REALTOR® will help set up.
- Together with your REALTOR® and mortgage team, you’ll put the final touches on your mortgage. Consider locking in your rate at this point, protecting yourself from rising interest rates.
- Next, you’ll sign disclosures, which will give you a ballpark estimate of your closing costs.
- You’ll also need to obtain homeowner’s insurance. Consider Virginia CU Insurance Services.
- While the loan processor is putting the final touches on your documents, they might reach out with questions or requests for additional documentation.
- Once final approval for your home loan is issued, your loan will be prepared for closing by our team.
- Together with your REALTOR®, you’ll do a final inspection and walkthrough.
- Before getting the keys, you’ll work with a closing attorney to sign and finalize the closing documents and provide funds for closing.
- Virginia Statewide Title Services can help you find a closing attorney and title insurance, if needed.
Welcome Home Discount
Go all in with us for an average discount of $1,500-$2,100 at closing with our Welcome Home Discount!? If you get your home loan with us, use a REALTOR® from Joyner Fine Properties as your buyer's agent, and use Virginia Statewide Title Services for your title insurance, you could qualify!
Mortgage Loan Officers
Whether you’re looking to buy or refinance, we have a team of local mortgage loan officers ready to help.
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Mortgage Resources
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Mortgage FAQs
What does pre-qualified mean? What do closing costs include? Get answers from our experts. -
Mortgage Servicing Request
If you have a question about the servicing of your mortgage loan, we would be happy to help. -
Mortgage Online Application FAQs
With MemberConnect, applying online for a mortgage from has never been easier—but that doesn’t mean you won’t have questions. Here’s what our members ask the most.
