Home Loans at Virginia Credit UnionThe keys to homeownership all under one roof. Home Purchase Get $500 toward closing costs Home Refinance Get $500 toward closing costs First-Time Homebuyers Construction Loans Ready to get started? Apply now Talk to a mortgage loan officer Today's RatesConventional Fixed Rate MortgageInterestas low as5.875%APRas low as6.057%No Closing Cost RefinanceInterestas low as6.625%APRas low as6.811% See all rates View rate calculators Why choose VACU for your home loan? Competitive RatesWe’ve got fixed-rate and adjustable-rate loans and low down payment options. Local Mortgage ExpertsOur mortgage loan officers live in the area they serve and are ready to help. Fast Pre-QualificationsFast and free pre-qualifications let sellers and real estate agents know you’re serious about buying a home. Home Loan OptionsExplore options for primary residences, second homes, investment properties, and land in Virginia. Lock & ShopLock in your interest rate for up to 360 days, giving you time to find your perfect home. Joyner Fine PropertiesSave time and money. Go all in with us and you could qualify for our Welcome Home Discount. Virginia Statewide Title ServicesFind affordable title insurance, as well as closing attorneys. Home Loan ResourcesHelpful tools like online calculators, educational webinars, and more. Home Equity OptionsTap into your home’s equity to cover large expenses with a home equity line of credit (HELOC) or home equity loan. Learn about home equity options Mortgage Loan OfficersWhether you’re looking to buy or refinance, we have a team of local mortgage loan officers ready to help. Learn about our home loans team Mortgage CalculatorsUse our handy calculators to see how much you can afford, if it makes sense to refinance, what your potential monthly payment could be, and more. Get started Mortgage ResourcesSee More Resources Mortgage Documents Checklist This list will help you gather information and documents for your mortgage application, to help get the mortgage process off to a fast and efficient start. Watch: 9 Questions First-Time Homebuyers Ask When it comes to buying your first home, you have questions, and we have answers. Mortgage Acronyms Sometimes you may hear or see acronyms or abbreviations for terms commonly used by mortgage lenders. Here is a quick reference tool to help you. Helpful Articles VideoWatch: What to Know When Buying a Home ArticleMortgage Rate Lock Explained ArticleWhat to Expect During the Mortgage Process View more We can help you find the right mortgage.Just like homes, mortgages come in many shapes and sizes. We’re here to help clear up the process. Our local mortgage experts can recommend the best mortgage to make the most of your money. Apply now Talk to a mortgage loan officer
Fast Pre-QualificationsFast and free pre-qualifications let sellers and real estate agents know you’re serious about buying a home.
Home Loan OptionsExplore options for primary residences, second homes, investment properties, and land in Virginia.
Joyner Fine PropertiesSave time and money. Go all in with us and you could qualify for our Welcome Home Discount.
Mortgage Documents Checklist This list will help you gather information and documents for your mortgage application, to help get the mortgage process off to a fast and efficient start.
Watch: 9 Questions First-Time Homebuyers Ask When it comes to buying your first home, you have questions, and we have answers.
Mortgage Acronyms Sometimes you may hear or see acronyms or abbreviations for terms commonly used by mortgage lenders. Here is a quick reference tool to help you.
Helpful Articles VideoWatch: What to Know When Buying a Home ArticleMortgage Rate Lock Explained ArticleWhat to Expect During the Mortgage Process View more