Why choose VACU for your home loan?
Fast and free pre-qualifications that let sellers and real estate agents know you’re serious about buying.
We have competitive rates and flexible or fixed-rate terms.
Our fixed-rate and adjustable-rate (ARM) loans and low down payment options.
Get help from local mortgage experts ready to find the right home loan for you.
Find home loans for primary residences, second homes, investment properties, and land.
Lock in your interest rate for up to 360 days and shop with less pressure with our Lock & Shop program.
Rates as low as
Good option if you want a consistent payment for the life of the loan.
Rates as low as
Good option to get a competitive rate for up to 10 years.
Rates as low as
Get competitive rates on loan amounts above conventional limits.
What to expect on your mortgage journey
- Chat with one of our local mortgage loan officers about your goals, timelines, finances, and different mortgage options.
- From there, our mortgage loan officers can help you get pre-qualified to show sellers and REALTORS® that you’re ready to buy. Plus, by obtaining your pre-qualification, you’ll be able to see what you can realistically afford.
- Your pre-qualification is valid for 90 days.
- If you haven’t already, contact a REALTOR® to help you find your right home. Consider a REALTOR® from Joyner Fine Properties to unlock potential savings at closing with our Welcome Home Discount.
- Shop with less pressure with our Lock & Shop program and lock in your interest rate for up to 360 days.
- Once you find the right home, make an offer!
- Once your offer has been accepted, you’ll need to complete the required inspections and appraisal, something your REALTOR® will help set up.
- Together with your REALTOR® and mortgage team, you’ll put the final touches on your mortgage. Consider locking in your rate at this point, protecting yourself from changes in interest rates.
- Next, you’ll sign disclosures, which will give you a ballpark estimate of your closing costs.
- You’ll also need to obtain homeowner’s insurance. Consider Virginia CU Insurance Services.
- While the loan processor is putting the final touches on your documents, they might reach out with questions or requests for additional documentation.
- Once final approval for your home loan is issued, your mortgage will be prepared for closing by our team.
- Together with your REALTOR®, you’ll do a final inspection and walkthrough.
- Before getting the keys, you’ll work with a closing attorney to sign and finalize the closing documents and provide funds for closing.
- Virginia Statewide Title Services can help you find a closing attorney and title insurance, if needed.
Welcome Home Discount
Go all in with us for an average discount of $1,500-$2,100 at closing with our Welcome Home Discount!? If you get your home loan with us, use a REALTOR® from Joyner Fine Properties as your buyer's agent, and use Virginia Statewide Title Services for your title insurance, you could qualify!
Mortgage Loan Officers
Whether you’re looking to buy or refinance, we have a team of local mortgage loan officers ready to help.
Virginia Statewide Title Services
Offers affordable title insurance to protect you against defects in your property title and can also connect you with a participating closing attorney in your area.?
