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  • Buying your home in Virginia

    Buying your first house is a big deal, but it doesn’t have to be a big hassle.

  • A young couple playfully moving boxes into their new home.
Get started

Features & Benefits

  • 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 Virginia CU Realty as your buyer's agent, and use Virginia Statewide Title Services for your title insurance, you could save hundreds.

Loan AmountRebate?
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

Good options if you plan to stay in your home for a while

Rates as low as 

6.734%?

Offers a lower initial monthly payment

Rates as low as 

7.842%?

Government Loans

Discounts and special rates are available for these government loans – if you meet certain requirements, such as first-time homebuyers.

Apply now

First-time homebuyers and others can buy with a down payment as low as 3.5%

Rates as low as 

6.458%?

Perfect if you’re buying farmland or in a rural community

Rates as low as 

6.871%?

No down payment required for eligible service veterans

Rates as low as 

6.825%?

Specialty Loans

Explore different loans that are offered for specific homebuyers or land type.

Apply now

Fund a mortgage balance that tops conventional or government thresholds

ARM designed for purchasing or refinancing land or a lot

Up to 100% financing for new doctors, dentists and veterinarian

Up to 100% financing for current or previous homeowners

Flexible funding for low down payment and closing costs

First-time homebuyers can get a second mortgage to help fund down payment and closing costs

Rates as low as 

7.931%?

Low down payment with no mortgage insurance required

Rates as low as 

6.938%?

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804-323-6800 VACU Routing Number 251082615
  • 1

    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 Joyner Fine Properties, LLC as their buyer’s agent. Discount void where prohibited. Certain restrictions apply. Not available in all areas.

  • 2

    Points are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don’t want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that a 1% origination fee is included in the APR. You can view assumptions and a payment example by clicking on a rate or APR above.

  • 3

    The loan product and rate examples seen here are current as of 4/25/2024 10:22:23. These rates are for illustrative purposes only. Other product and rate options are available. Your actual rate and 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.

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