Home Loans at Virginia Credit Union The keys to homeownership all under one roof. Home Purchase First-time buyers get $1,000 off closing costs Home Refinance First-Time Homebuyers First-time buyers get $1,000 off closing costs Construction Loans Ready to get started? Apply now Talk to a mortgage loan officer Today's Rates Conventional Fixed Rate Mortgage Interest as low as 5.5% APR as low as 5.681% No Closing Cost Refinance Interest as low as 6.5% APR as low as 6.614% See all rates View rate calculators Why choose VACU for your home loan? Competitive Rates We’ve got fixed-rate and adjustable-rate loans and low down payment options. Local Mortgage Experts Our mortgage loan officers live in the area they serve and are ready to help. Fast Pre-Qualifications Fast and free pre-qualifications let sellers and real estate agents know you’re serious about buying a home. Home Loan Options Explore options for primary residences, second homes, investment properties, and land in Virginia. Lock & Shop Lock in your interest rate for up to 360 days, giving you time to find your perfect home. Joyner Fine Properties Save time and money. Go all in with us and you could qualify for our Welcome Home Discount. Virginia Statewide Title Services Find affordable title insurance, as well as closing attorneys. Home Loan Resources Helpful tools like online calculators, educational webinars, and more. Home Equity Options Tap 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 Officers Whether 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 Calculators Use 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 Buy a home with confidence See all Calculator Mortgage Payment Calculator Home Article 5 min 10 Ways to Make Your Home Feel New Home Article 6 min Financing Your Dream Home with a Construction Loan Home Video 7 min Watch: 9 Questions First-Time Homebuyers Ask Home Calculator Home Refinance Calculator Home Article 2 min What is Escrow and How Does it Work? Home Article 30 min Mortgage Acronyms Home Article 5 min How to Save for a Down Payment Home Article 4 min What Are Closing Costs? Home Article 4 min What Does Homeowner's Insurance Cover? Home Article 6 min 6 Tips to Navigate an Uncertain Real Estate Market Home Article 4 min Home Improvements that Pay Off Home 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-Qualifications Fast and free pre-qualifications let sellers and real estate agents know you’re serious about buying a home.
Home Loan Options Explore options for primary residences, second homes, investment properties, and land in Virginia.
Lock & Shop Lock in your interest rate for up to 360 days, giving you time to find your perfect home.
Joyner Fine Properties Save time and money. Go all in with us and you could qualify for our Welcome Home Discount.