Features & Benefits Options with little to no down payment for qualified members. See programs & rates A mortgage loan officer with knowledge and support to help you at every step of the way. Save at closing with our mortgage rebate program. Learn more How It Works Share your info. Get started by providing us with a few pieces of information so we can match you with a personal Mortgage Loan Officer. Find a solution. Work with your mortgage loan officer to find a solution based on your individual needs and goals. Get approved. Your mortgage loan officer will then guide you through the entire process from start to finish. Close your loan. Get the keys to your new home! Special Mortgage Rebate? When you get your mortgage loan through Virginia Credit Union, use an agent from Joyner Fine Properties as your buyer's agent, and use Virginia Statewide Title Services for your title insurance, you could save hundreds. Loan Amount Rebate? Up to $99,999 $240 $100,000 - $149,999 $500 $150,000 - $199,999 $750 $200,000 - $249,999 $1,000 $250,000 - $299,999 $1,250 $300,000 - $399,999 $1,500 $400,000 - $499,999 $2,000 $500,000+ $2,500 Mortgage Options & Rates Conventional Mortgages These traditional loans have either a fixed-rate or a lower initial monthly payment. Apply now Fixed Rate Mortgage Loan Good options if you plan to stay in your home for a while Rates as low as 5.854%? Adjustable Rate Mortgage Loan (ARM) Offers a lower initial monthly payment Rates as low as 6.950%? Government Loans Discounts and special rates are available for these government loans – if you meet certain requirements, such as first-time homebuyers. Apply now Federal Housing Authority (FHA) Loan First-time homebuyers and others can buy with a down payment as low as 3.5% Rates as low as 5.780%? U.S. Department of Agriculture (USDA) Rural Development Loan Perfect if you’re buying farmland or in a rural community Rates as low as 6.359%? Veterans Administration (VA) Loan No down payment required for eligible service veterans Rates as low as 6.408%? Specialty Loans Explore different loans that are offered for specific homebuyers or land type. Apply now Jumbo Mortgage Loan Fund a mortgage balance that tops conventional or government thresholds Land Loan (for unimproved property) ARM designed for purchasing or refinancing land or a lot Doctors Mortgage Loan Up to 100% financing for new doctors, dentists and veterinarian VACU 100 Loan Up to 100% financing for current or previous homeowners HomeReady Loan (Federal National Mortgage Association) Flexible funding for low down payment and closing costs Virginia Housing Development Authority (VHDA) FHA Plus Loan First-time homebuyers can get a second mortgage to help fund down payment and closing costs Rates as low as 7.036%? Virginia Housing Development Authority (VHDA) with FNMA – No MI Low down payment with no mortgage insurance required Rates as low as 6.510%?