Mortgages From finding the right home to closing on a mortgage with a great rate, we can help you at every step. You’re not in this alone. Limited time offer! $500 off closing costs Whether you’re looking to purchase or refinance, we got you! In addition to our low-rate mortgages with fewer fees, for a limited time, we’re offering $500 off closing costs. 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 04/01/21 and 09/30/2021. 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 12/31/2021. This is not available for VHDA, Housing Finance Agency/Bond, Rural Development, or construction loan products. This offer can be used in conjunction with the VACU Realty, Virginia Select, and Joyner Fine Properties rebate. It cannot be combined with any other promotion or discount and is subject to compliance with Virginia Credit Union’s loan program guidelines. Get started Mortgage Options Buying a Home It’s a big deal, and we have the expertise and resources to make this process smooth and easy for you. Refinancing a Loan If rates change, you get a raise or your home to-do list needs to be tackled – a “refi” of a current loan can help. Home Equity Options Put the money you’ve put into your home to work for you. First-Time Home Buyers Don’t get overwhelmed. We have special options for you – plus articles, videos and more to guide you at every step. Conventional Fixed Rate Mortgage Good option if you plan to stay in your home for a while Apply Now Talk to a mortgage loan officer Loan Benefits Principal & interest portion of your payment stays the same for the term of the loan, loans up to 97% of a home’s value available for first-time home buyers, financing options for second homes & investment properties Rates as low as2 2.616 % APR See all rates 2 The loan product and rate examples seen here are current as of 9/16/2021 10:23:38. 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. Conventional Adjustable Rate Mortgage (ARM) Offers a lower initial monthly payment Apply Now Talk to a mortgage loan officer Loan Benefits Good option if you want a lower initial monthly payment or think you won’t be in the home for many years, primary residence and second home financing available Rates as low as3 2.715 % APR See all rates 3 The loan product and rate examples seen here are current as of 9/16/2021 10:23:38. 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. No Closing Cost Fixed Rate Refinance Just as billed – refinance your loan with no closing costs4 4 View our Limitations of Offer. Apply Now Talk to a mortgage loan officer Loan Benefits No VACU or third-party provider fees, rate-term refinances available up to 95% of your home’s value, cash out refinances available up to 80% of your home’s value Rates as low as5 3.647 % APR See all rates 5 The loan product and rate examples seen here are current as of 9/16/2021 10:23:38. 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. Government Loans Discounts and special rates are available for these government loans – if you meet certain requirements, such as first-time home buyers. Apply Now View all rates Federal Housing Authority (FHA) Loan Buy with a down payment as low as 3.5%. A great option for first-time home buyers. U.S. Department of Agriculture (USDA) Rural Development Loan Perfect if you’re buying farmland or in a rural community. Veterans Administration (VA) Loan No down payment required for eligible service veterans. Specialty Loans Explore different loans that are offered for specific home buyers or land type. Apply now View all rates Jumbo Mortgage Loan Fund a mortgage balance that tops conventional or government thresholds Land Loan (for unimproved property) ARM designed for purchasing or refinancing land or a lot Construction Loan Covers the cost of constructing a home and can include the land purchase or pay off an existing land loan Doctors Mortgage Loan Up to 100% financing for new doctors, dentists and veterinarians HomeReady Loan (Federal National Mortgage Association) Flexible funding for low down payment and closing costs Virginia Housing (VH) FHA Plus Loan First-time homebuyers can get a second mortgage to help fund down payment and closing costs Virginia Housing (VH) with FNMA – No MI Low down payment with no mortgage insurance required VACU 100 Loan Up to 100% financing for current or previous homeowners Let us help you find the right mortgage. Homes come in many shapes and sizes: condos, townhouses, single-family. And so do mortgages. Don’t stress: Our local mortgage experts can recommend the best mortgage to make the most of your money. Apply Now Talk to a mortgage loan officer Mortgage Resources See More Resources Mortgage Online Application FAQs Frequently asked questions about our online mortgage application. A Guide to Home Buying This video series will walk you through the basics of the home buying process. The more you know and plan, the better off you’ll be throughout the process. Construction Loan FAQs Frequently asked questions about construction loans.
Limited time offer! $500 off closing costs Whether you’re looking to purchase or refinance, we got you! In addition to our low-rate mortgages with fewer fees, for a limited time, we’re offering $500 off closing costs. 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 04/01/21 and 09/30/2021. 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 12/31/2021. This is not available for VHDA, Housing Finance Agency/Bond, Rural Development, or construction loan products. This offer can be used in conjunction with the VACU Realty, Virginia Select, and Joyner Fine Properties rebate. It cannot be combined with any other promotion or discount and is subject to compliance with Virginia Credit Union’s loan program guidelines. Get started
Buying a Home It’s a big deal, and we have the expertise and resources to make this process smooth and easy for you.
Refinancing a Loan If rates change, you get a raise or your home to-do list needs to be tackled – a “refi” of a current loan can help.
First-Time Home Buyers Don’t get overwhelmed. We have special options for you – plus articles, videos and more to guide you at every step.
Conventional Fixed Rate Mortgage Good option if you plan to stay in your home for a while Apply Now Talk to a mortgage loan officer Loan Benefits Principal & interest portion of your payment stays the same for the term of the loan, loans up to 97% of a home’s value available for first-time home buyers, financing options for second homes & investment properties Rates as low as2 2.616 % APR See all rates 2 The loan product and rate examples seen here are current as of 9/16/2021 10:23:38. 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.
Conventional Adjustable Rate Mortgage (ARM) Offers a lower initial monthly payment Apply Now Talk to a mortgage loan officer Loan Benefits Good option if you want a lower initial monthly payment or think you won’t be in the home for many years, primary residence and second home financing available Rates as low as3 2.715 % APR See all rates 3 The loan product and rate examples seen here are current as of 9/16/2021 10:23:38. 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.
No Closing Cost Fixed Rate Refinance Just as billed – refinance your loan with no closing costs4 4 View our Limitations of Offer. Apply Now Talk to a mortgage loan officer Loan Benefits No VACU or third-party provider fees, rate-term refinances available up to 95% of your home’s value, cash out refinances available up to 80% of your home’s value Rates as low as5 3.647 % APR See all rates 5 The loan product and rate examples seen here are current as of 9/16/2021 10:23:38. 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.
A Guide to Home Buying This video series will walk you through the basics of the home buying process. The more you know and plan, the better off you’ll be throughout the process.