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We know every dollar counts when buying or refinancing a home. Now until August 31, finance with Virginia Credit Union and we'll give you $500 towards closing costs!? More ways we got you:

  • Our wide variety of mortgage programs, including options with low down payments.?
  • Our Welcome Home Discount. Go all in with us! Finance with us, use a Joyner Fine Realty agent, and close with Virginia Title Insurance and you could save an average of $1,500 - $2,100.?
  • Competitive fixed and variable rates with the option to lock your rate while you shop.

We can help you find the right mortgage.

Our local mortgage experts can recommend the best mortgage to make the most of your money.

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804-323-6800 VACU Routing Number 251082615
  • 1

    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 3/01/2024 and 8/31/2024. 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 11/30/2024. This is not available for USDA or construction loan products. This offer can be used in conjunction with the Welcome Home Discount. It cannot be combined with any other promotion or discount and is subject to compliance with Virginia Credit Union’s loan program guidelines.

  • 2

    Mortgage application required. Certain restrictions, limits and other conditions apply.

  • 3

    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.

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