Home Purchase

With competitive rates, flexible terms, and a team ready to help, we’ve got everything you need to purchase a home — under one roof.

Apply now Talk to a mortgage loan officer

Why choose VACU for your home loan?

Fast and free pre-qualifications that let sellers and real estate agents know you’re serious about buying.

We have competitive rates and flexible or fixed-rate terms.

Our fixed-rate and adjustable-rate (ARM) loans and low down payment options.

Get help from local mortgage experts ready to find the right home loan for you.

Find home loans for primary residences, second homes, investment properties, and land in Virginia.

Lock in your interest rate for up to 360 days and shop with less pressure with our Lock & Shop program.

Conventional Fixed Rate Mortgage

Rates as low as

6.418

APR

See all rates

Good option if you want a consistent payment for the life of the loan.

Apply now Talk to a mortgage loan officer

Conventional Adjustable Rate Mortgage (ARM)

Rates as low as

7.004

APR

See all rates

Good option to get a competitive rate for up to 10 years.

Apply now Talk to a mortgage loan officer

Jumbo Loan

Rates as low as

6.62

APR

See all rates

Get competitive rates on loan amounts above conventional limits.

Apply now Talk to a mortgage loan officer

What to expect on your mortgage journey

Chat with one of our local mortgage loan officers about your goals, timelines, finances, and different mortgage options.
From there, our mortgage loan officers can help you get pre-qualified to show sellers and REALTORS® that you’re ready to buy. Plus, by obtaining your pre-qualification, you’ll be able to see what you can realistically afford.
Your pre-qualification is valid for 90 days.

Apply now

If you haven’t already, contact a REALTOR® to help you find your right home. Consider a REALTOR® from Joyner Fine Properties to unlock potential savings at closing with our Welcome Home Discount.
Shop with less pressure with our Lock & Shop program and lock in your interest rate for up to 360 days.
Once you find the right home, make an offer!
Once your offer has been accepted, you’ll need to complete the required inspections and appraisal, something your REALTOR® will help set up.

Together with your REALTOR® and mortgage team, you’ll put the final touches on your mortgage. Consider locking in your rate at this point, protecting yourself from changes in interest rates.
Next, you’ll sign disclosures, which will give you a ballpark estimate of your closing costs.
You’ll also need to obtain homeowner’s insurance. Consider Virginia CU Insurance Services.
While the loan processor is putting the final touches on your documents, they might reach out with questions or requests for additional documentation.

Once final approval for your home loan is issued, your mortgage will be prepared for closing by our team.
Together with your REALTOR®, you’ll do a final inspection and walkthrough.
Before getting the keys, you’ll work with a closing attorney to sign and finalize the closing documents and provide funds for closing.
Virginia Statewide Title Services can help you find a closing attorney and title insurance, if needed.

Welcome Home Discount

Go all in with us for an average discount of $1,500-$2,100 at closing with our Welcome Home Discount! If you get your home loan with us, use a REALTOR® from Joyner Fine Properties as your buyer's agent, and use Virginia Statewide Title Services for your title insurance, you could qualify!

Learn more

A mortgage loan officer helping a member

Mortgage Loan Officers

Whether you’re looking to buy or refinance, we have a team of local mortgage loan officers ready to help.

Learn more

Virginia Statewide Title Services

Offers affordable title insurance to protect you against defects in your property title and can also connect you with a participating closing attorney in your area.

Learn about Virginia Statewide Title Services

Mortgage Resources
See More Resources
- Watch: 9 Questions First-Time Homebuyers Ask
  When it comes to buying your first home, you have questions, and we have answers.
- Are You Ready to Buy a Home?
  For first-time homebuyers, owning a home can be intimidating. Your lease is coming to an end. Should you rent or buy?

Helpful Articles

1
Virginia Credit Union is offering a $1,000 discount on closing costs on new mortgage loans for first-time homebuyers, subject to qualification and credit approval. This promotion is valid on new applications submitted between 9/1/2024 and 2/28/2025. The closing cost reduction will be limited to the lesser of $1,000 or lender closing costs and may not exceed maximum seller contribution limits set by program guidelines. Mortgage loan must close by 5/31/2025. 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. An individual is to be considered a first-time homebuyer if he or she (1) is purchasing the security property; (2) will reside in the security property as a principal residence; and (3) had no ownership interest (sole or joint) in a residential property during the three-year period preceding the date of the purchase of the security property. In addition, an individual who is a displaced homemaker or single parent also will be considered a first-time homebuyer if he or she had no ownership interest in a principal residence (other than a joint ownership interest with a spouse) during the preceding three-year time period.
2
The loan product and rate examples seen here are current as of 11/20/2024 11:03:08. 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.
3
The average discount of $1,500-$2,100 is based on loan amounts of $250,000-$350,000. Certain restrictions, limits, and other conditions apply. Contact VACU or Joyner Fine Properties for more information. Business conducted with Joyner Fine Properties, LLC is separate and distinct from any business with Virginia Federal Credit Union.

Home Purchase

First-time homebuyer?

$1,000

Competitive rates

Welcome Home Discount

$1,500

Why choose VACU for your home loan?

What to expect on your mortgage journey

Welcome Home Discount

Mortgage Loan Officers

Virginia Statewide Title Services

Mortgage Resources

Watch: 9 Questions First-Time Homebuyers Ask

Are You Ready to Buy a Home?

Helpful Articles

What Are Closing Costs?

Watch: What to Know When Buying a Home

What is Escrow and How Does it Work?

We can help you find the right mortgage.