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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.

Great rates

 View all rates1

  • 1 Rate effective as of 8/5/2022 13:53:19. 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.
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 Virginia CU Realty LLC, Virginia Select Realty or Joyner Fine Properties LLC as their buyer’s agent. Discount void where prohibited. Certain restrictions apply. Not available in all areas.
Limited time offer


towards your closing costs when you finance your home with us3

  • 3 Virginia Credit Union is offering a $500 discount on closing costs on new mortgage loans subject to qualification and credit approval. This promotion is valid on new applications submitted between 04/01/22 and 09/30/22. The closing cost reduction will be limited to the lesser of $500 or lender closing costs and may not exceed maximum seller contribution limits set by program guidelines. Mortgage loan must close by 12/31/2022. This is not available for VHDA, Housing Finance Agency/Bond, or Rural Development, or construction loan products. This offer can be used in conjunction with the VACU Realty, Virginia Select, and Joyner Fine Properties rebate. It cannot be combined with any other promotion or discount and is subject to compliance with Virginia Credit Union's loan program guidelines.

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 save you 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 the Welcome Home Discount, if you tap into all of our services. We can usually close your loan within 45 days.

  • Welcome Home Discount

    You could save, on average, between $1,500-$2,100 when you buy through Joyner Fine Properties, Virginia CU Realty, or Virginia Select Realty and get your title insurance from Virginia Statewide Title Services.1

    Talk to a mortgage loan officer

    • 1  Realty services are offered through Virginia CU Realty, LLC, an affiliate of Virginia Credit Union (VACU). VACU may receive a financial or other benefit because VACU, through Virginia Credit Union Financial Services, LLC has an ownership interest in Virginia CU Realty, LLC. For VA residents only. Business conducted with Virginia CU Realty, LLC is separate and distinct from any business with VACU.
  • Mortgage Options

    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

  • First-Time Home Buyers

    We have resources to help you get the information you need to buy with confidence, as well as down payment assistance grants2 and rebates to assist first-time home buyers.

    Get pre-qualified

    • 2 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.