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Personal | Business
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.
It’s a big deal, and we have the expertise and resources to make this process smooth and easy for you.
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.
Put the money you’ve put into your home to work for you.
Don’t get overwhelmed. We have special options for you – plus articles, videos and more to guide you at every step.
Good option if you plan to stay in your home for a while
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
See all rates
Offers a lower initial monthly payment
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
Just as billed – refinance your loan with no closing costs3
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
Discounts and special rates are available for these government loans – if you meet certain requirements, such as first-time home buyers.
Buy with a down payment as low as 3.5%. A great option for first-time home buyers.
Perfect if you’re buying farmland or in a rural community.
No down payment required for eligible service veterans.
Explore different loans that are offered for specific home buyers or land type.
Fund a mortgage balance that tops conventional or government thresholds
ARM designed for purchasing or refinancing land or a lot
Up to 100% financing for new doctors, dentists and veterinarians
Up to 100% financing for current or previous homeowners
Flexible funding for low down payment and closing costs
First-time homebuyers can get a second mortgage to help fund down payment and closing costs
Low down payment with no mortgage insurance required
Fixed rate mortgage designed for hobby farmers
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.
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Frequently asked questions about our online mortgage application.
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.
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.