You’ve got a friend in the mortgage business Our streamlined process is only one great benefit of coming to VACU for a mortgage. We have a full suite of options that can meet your needs, including fixed-rate loans with flexible terms and low down payment options. Features & benefits Mortgages for primary residences, second homes, investment properties and land in Virginia Adjustable rate loans – for home and land purchases Virginia CU Realty can help you find a home and earn a rebate Mortgage mobile app gets you in your home faster – and eliminates paper piles Online calculators, seminars and resources to help you make smart financial decisions Fixed-rate loans with flexible terms Pre-qualification lets you know upfront what you can afford and gives you purchasing power Experienced mortgage loan officers match you to an affordable mortgage Special programs and discounts for first-time home buyers Our one-stop approach can make even more of your money We offer everything you need to buy a home – right under one roof. You can save even more money with our rebate program, if you tap into all of our services. We can usually close your loan within 45 days. Virginia CU Realty We know the local market Our full-service firm – staffed with experienced agents – can help you find your home. Earn rebates up to $2,500 when you use Virginia CU Realty to purchase your home. And when you’re ready to move, we can help you sell (and we discount on listing cost). Learn more Email us Mortgage Options Find some of the best loan rates around Trust our expert team to recommend the best mortgage, taking into account your unique needs if you’re a first-time buyer, a veteran, or need help with a down payment. Learn more Virginia Statewide Title Services Protect your home – and know it’s really yours Title insurance protects you if someone challenges your home ownership – even if the claim occurs years after you purchase your house. Learn more First-Time Home Buyers We’ll be right at your side, every step of the way Buying a home is usually the biggest financial decision we make in our lives and going through that experience for the first time can be overwhelming. Take a breath. We have resources to help you get the information you need to buy with confidence, as well as down payment assistance grants1 and rebates to assist first-time home buyers. 1 Restrictions may apply based on residency requirements. Get pre-qualified Take control with pre-qualification Know in advance how much of a mortgage loan you can afford – and what you can expect to pay each month. As a pre-qualified buyer, you’ll have greater purchasing power when you’re ready to make an offer. Call us at 804-323-6800 or get started right now. Get pre-qualified Home Purchase 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. What is the best mortgage loan for me? Not sure which loan is best for your situation? Here’s some information about loan types and term lengths to help you understand the differences. 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.