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Home Purchase

Buying a home shouldn’t stress you out. We got you! We’ll tell you everything you need to know about getting a mortgage–and we’ll explain it, so you’ll find no surprises.

Lowest rates in years

 View all rates1

  • 1 Rate effective as of 1/26/2022 10:59:03. These rates are for illustrative purposes only. Other product and rate options are available. Your actual rate and annual percentage rate (APR) are dependent upon your application and may vary based on factors such as your credit score, loan purpose, occupancy, property type, loan amount, and the value of your home. Interest rate and APR are updated daily and subject to change without prior notice. Please note that an origination fee may be included in the APR.
Rebates up to


Starting at $250 and up to $2,500 with Virginia CU Realty and Joyner Fine Properties2

  • 2 While you are free to select your own real estate brokerage and title insurance company in connection with your mortgage transaction, we offer our members a voluntary program that includes rebates at settlement. Specifically to qualify for the rebate, you must be a Virginia Credit Union member and close your mortgage through Virginia Credit Union, use Virginia Statewide Title Services for title insurance, and use an agent from Joyner Fine Properties LLC or Virginia CU Realty, LLC as your buyer’s agent. Rebate void where prohibited. Certain restrictions apply. Not available in all areas.
Special discounts for


home buyers when you get your mortgage through us

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 
  • 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

Virginia CU Realty

We know the local market

Our full-service firm 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.

Learn more Email us

Small blue house with a beautiful front yard.

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

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

Family moving in to new house with boxes and welcome mat.

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.

Get pre-qualified Talk to a mortgage loan officer

  • 1 Restrictions may apply based on residency requirements.

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.