Home Loans at Virginia Credit Union The keys to homeownership all under one roof. Home Purchase Get $500 toward closing costs Home Refinance Get $500 toward closing costs First-Time Homebuyers Construction Loans Ready to get started? Apply now Talk to a mortgage loan officer Today's Rates Conventional Fixed Rate Mortgage Interest as low as 5.75% APR as low as 5.927% No Closing Cost Refinance Interest as low as 6.625% APR as low as 6.788% See all rates View rate calculators Why choose VACU for your home loan? Competitive Rates We’ve got fixed-rate and adjustable-rate loans and low down payment options. Local Mortgage Experts Our mortgage loan officers live in the area they serve and are ready to help. Fast Pre-Qualifications Fast and free pre-qualifications let sellers and real estate agents know you’re serious about buying a home. Home Loan Options Explore options for primary residences, second homes, investment properties, and land in Virginia. Lock & Shop Lock in your interest rate for up to 360 days, giving you time to find your perfect home. Joyner Fine Properties Save time and money. Go all in with us and you could qualify for our Welcome Home Discount. Virginia Statewide Title Services Find affordable title insurance, as well as closing attorneys. Home Loan Resources Helpful tools like online calculators, educational webinars, and more. Home Equity Options Tap into your home’s equity to cover large expenses with a home equity line of credit (HELOC) or home equity loan. Learn about home equity options Mortgage Loan Officers Whether you’re looking to buy or refinance, we have a team of local mortgage loan officers ready to help. Learn about our home loans team Mortgage Calculators Use our handy calculators to see how much you can afford, if it makes sense to refinance, what your potential monthly payment could be, and more. Get started Mortgage Resources See More Resources Mortgage Documents Checklist This list will help you gather information and documents for your mortgage application, to help get the mortgage process off to a fast and efficient start. Watch: 9 Questions First-Time Homebuyers Ask When it comes to buying your first home, you have questions, and we have answers. Mortgage Acronyms Sometimes you may hear or see acronyms or abbreviations for terms commonly used by mortgage lenders. Here is a quick reference tool to help you. Helpful Articles Video Watch: What to Know When Buying a Home Article Mortgage Rate Lock Explained Article What to Expect During the Mortgage Process View more 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. Apply now Talk to a mortgage loan officer
Fast Pre-Qualifications Fast and free pre-qualifications let sellers and real estate agents know you’re serious about buying a home.
Home Loan Options Explore options for primary residences, second homes, investment properties, and land in Virginia.
Lock & Shop Lock in your interest rate for up to 360 days, giving you time to find your perfect home.
Joyner Fine Properties Save time and money. Go all in with us and you could qualify for our Welcome Home Discount.
Mortgage Documents Checklist This list will help you gather information and documents for your mortgage application, to help get the mortgage process off to a fast and efficient start.
Watch: 9 Questions First-Time Homebuyers Ask When it comes to buying your first home, you have questions, and we have answers.
Mortgage Acronyms Sometimes you may hear or see acronyms or abbreviations for terms commonly used by mortgage lenders. Here is a quick reference tool to help you.
Helpful Articles Video Watch: What to Know When Buying a Home Article Mortgage Rate Lock Explained Article What to Expect During the Mortgage Process View more