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Home Purchase

Ready to buy a home but don't know where to start? We got you! We'll walk you through the home purchasing process, ensuring there are no surprises along the way.

First-time home buyer?


towards your closing costs when you finance your home with us.1

  • 1 Virginia Credit Union is offering a $1,000 discount on closing costs on new mortgage loans for first-time home buyers subject to qualification and credit approval. This promotion is valid on new applications submitted between 10/01/22 and 03/31/2023. The closing cost reduction will be limited to the lesser of $1,000 or lender closing costs and may not exceed maximum seller contribution limits set by program guidelines. Mortgage loan must close by 06/30/2023. This is not available for Rural Development 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. An individual is to be considered a first-time home buyer who (1) is purchasing the security property; (2) will reside in the security property as a principal residence; and (3) had no ownership interest (sole or joint) in a residential property during the three-year period preceding the date of the purchase of the security property. In addition, an individual who is a displaced homemaker or single parent also will be considered a first-time home buyer if he or she had no ownership interest in a principal residence (other than a joint ownership interest with a spouse) during the preceding three-year time period.
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.

Mortgages for all Property Types

Mortgages for primary residences, second homes, investment properties and land in Virginia

Joyner Fine Properties

Joyner Fine Properties can help you find a home and earn a rebate 

Adjustable Rate Loans

Adjustable rate loans – for home and land purchases

Financial Resources

Online calculators, seminars and resources to help you make smart financial decisions

Fixed Rates

 Fixed-rate loans with flexible terms


Pre-qualification lets you know upfront what you can afford and gives you purchasing power

Loan Officers

Experienced mortgage loan officers match you to an affordable mortgage

First-time Buyers

Special programs and discounts for first-time home buyers

Take control with pre-approval

Know in advance how much of a mortgage loan you can afford – and what you can expect to pay each month. As a pre-approved buyer, you’ll have greater purchasing power when you’re ready to make an offer. 

Not sure you are ready to apply yet? We can help! Talk to a mortgage loan officer to discuss your options.