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  • 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.

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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.2

  • 2 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 02/01/20 and 09/30/2020. 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 12/31/2020. This is not available for VHDA, Housing Finance Agency/Bond, or Rural Development 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.

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 Homebuyers

    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

    • 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 as3

      See all rates

      • 3 The loan product and rate examples seen here are current as of 9/30/2020 10:22:56. 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

    • 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 as4

      See all rates

      • 4 The loan product and rate examples seen here are current as of 9/30/2020 10:22:56. 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 costs5

    • 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 as6

      See all rates

      • 6 The loan product and rate examples seen here are current as of 9/30/2020 10:22:56. 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.

Specialty Loans

Explore different loans that are offered for specific home buyers or land type.

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.

  • Mortgage Resources

    See More Resources

  • A Guide to Home Buying

    Our Guide to Home Buying 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. 

  • Mortgage Loan Officers

    Whether you're considering purchasing or refinancing your primary home, a vacation home, or an investment property, Virginia Credit Union’s mortgage loan officers are here to help you every step of the way.