Mortgage Services Creating a great experience for our members means providing you with everything you need for your mortgage loan – whether you’re buying your first home or refinancing. Mortgage Loan Officers Our team finds affordable 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. Talk to a mortgage loan officer Joyner Fine Properties We know the local market Our full-service realty firm – staffed with experienced agents – can help you find your home. With the Welcome Home Discount, you could save an average of $1,500 - $2,1001 using Joyner Fine Properties when you purchase your home. And when you’re ready to move, we can help you sell.2. Learn more about Joyner Email Joyner Fine Properties 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 Realty services are offered through Joyner Fine Properties, 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 Joyner Fine Properties, LLC. For VA residents only. Business conducted with Joyner Fine Properties, LLC is separate and distinct from any business with VACU. 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 about VSTS 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 grants3 and rebates to assist first-time home buyers. Get pre-qualified Talk to a mortgage loan officer 3 Restrictions may apply based on residency requirements. Mortgage Resources See More Resources Getting Pre-Qualified for a Mortgage A mortgage pre-qualification is an initial evaluation of the credit worthiness of a potential borrower used to determine the estimated mortgage loan amount that the individual could qualify for. What to Expect During the Mortgage Process Buying or refinancing a home is easier and you can feel more confident when you know what to expect. Here's a guide to our mortgage loan process. How much mortgage might I qualify for? This calculator computes how much mortgage one could qualify for.