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Home Loans at Virginia Credit Union
A woman standing in front of her home

Home Purchase

With competitive rates, flexible terms, and a team ready to help, we’ve got everything you need to purchase a home—under one roof.

Limited-time offer


off closing costs when you finance with us!1

  • 1 Virginia Credit Union is offering a $500 discount on closing costs on new mortgage loans subject to qualification and credit approval. This promotion is valid on new applications submitted between 04/01/23 and 9/30/2023. The closing cost reduction will be limited to the lesser of $500 or lender closing costs and may not exceed maximum seller contribution limits set by program guidelines. Mortgage loan must close by 12/31/2023. 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.
Welcome Home Discount


Average savings with our Welcome Home Discount.2

  • 2 While Virginia Credit Union members are free to select their own real estate brokerage and title insurance company in connection with their mortgage transaction, we offer our members a voluntary program that includes a discount at settlement equal to 0.60% of the loan amount up to a maximum of $12,000, not to exceed the lender closing costs. The average discount of $1,500 - $2,100 is based on loan amounts of $250,000 - $350,000. Specifically to qualify for the discount, they must be a Virginia Credit Union member and close their mortgage through Virginia Credit Union, use Virginia Statewide Title Services for title insurance, and use an agent from Joyner Fine Properties, LLC as their buyer’s agent. Discount void where prohibited. Certain restrictions apply. Not available in all areas.
Lock in your interest rate for up to

360 days

with our Lock & Shop program.3

  • 3 See loan officer for details; terms and conditions may apply. All loans subject to underwriter approval. Fully executed purchase contract must be provided to VACU 45 days prior to expiration of rate lock period, or lock will become void. Upfront lock-in fee required at time of rate lock. Subject to change without notice.

Why choose VACU for your home loan?

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

 We have competitive rates and flexible or fixed-rate terms. 

 Our fixed-rate and adjustable-rate (ARM) loans and low down payment options. 

 Get help from local mortgage experts ready to find the right home loan for you.

 Find home loans for primary residences, second homes, investment properties, and land in Virginia.

 Lock in your interest rate for up to 360 days and shop with less pressure with our Lock & Shop program.

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)

Rates as low as


Good option to get a competitive rate for up to 10 years.

Jumbo Loan

Rates as low as


Get competitive rates on loan amounts above conventional limits.

What to expect on your mortgage journey

Step 1
Get pre-qualified.
  • Chat with one of our local mortgage loan officers 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.
Step 2
Start shopping, find the right home, and apply!
  • 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.
Step 3
Final touches.
  • 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 changes in 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.
Step 4
Get your keys!
  • Once final approval for your home loan is issued, your mortgage 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.
The front porch of a house

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!

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 woman working at her desk

Virginia Statewide Title Services

Offers affordable title insurance to protect you against defects in your property title and can also connect you with a participating closing attorney in your area.

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.