Features & BenefitsOptions with little to no down payment for qualified members. See programs & ratesA mortgage loan officer with knowledge and support to help you at every step of the way.Save at closing with our mortgage rebate program. Learn moreHow It WorksShare your info.Get started by providing us with a few pieces of information so we can match you with a personal Mortgage Loan Officer.Find a solution.Work with your mortgage loan officer to find a solution based on your individual needs and goals.Get approved.Your mortgage loan officer will then guide you through the entire process from start to finish.Close your loan.Get the keys to your new home!Special Mortgage Rebate?When you get your mortgage loan through Virginia Credit Union, use an agent from Joyner Fine Properties as your buyer's agent, and use Virginia Statewide Title Services for your title insurance, you could save hundreds.Loan AmountRebate?Up to $99,999$240$100,000 - $149,999$500$150,000 - $199,999$750$200,000 - $249,999$1,000$250,000 - $299,999$1,250$300,000 - $399,999$1,500$400,000 - $499,999$2,000$500,000+$2,500Mortgage Options & RatesConventional MortgagesThese traditional loans have either a fixed-rate or a lower initial monthly payment. Apply nowFixed Rate Mortgage LoanGood options if you plan to stay in your home for a whileRates as low as 6.139%?Adjustable Rate Mortgage Loan (ARM)Offers a lower initial monthly paymentRates as low as 7.075%?Government LoansDiscounts and special rates are available for these government loans – if you meet certain requirements, such as first-time homebuyers. Apply nowFederal Housing Authority (FHA) LoanFirst-time homebuyers and others can buy with a down payment as low as 3.5%Rates as low as 6.069%?U.S. Department of Agriculture (USDA) Rural Development LoanPerfect if you’re buying farmland or in a rural communityRates as low as 6.393%?Veterans Administration (VA) LoanNo down payment required for eligible service veteransRates as low as 6.556%?Specialty LoansExplore different loans that are offered for specific homebuyers or land type. Apply nowJumbo Mortgage LoanFund a mortgage balance that tops conventional or government thresholdsLand Loan (for unimproved property)ARM designed for purchasing or refinancing land or a lotDoctors Mortgage LoanUp to 100% financing for new doctors, dentists and veterinarianVACU 100 LoanUp to 100% financing for current or previous homeownersHomeReady Loan (Federal National Mortgage Association)Flexible funding for low down payment and closing costsVirginia Housing Development Authority (VHDA) FHA Plus LoanFirst-time homebuyers can get a second mortgage to help fund down payment and closing costsRates as low as 7.419%?Virginia Housing Development Authority (VHDA) with FNMA – No MILow down payment with no mortgage insurance requiredRates as low as 6.629%?