Home Loans at Virginia Credit Union
The keys to homeownership all under one roof.
Why choose VACU for your home loan?
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Competitive Rates
We’ve got fixed-rate and adjustable-rate loans and low down payment options.
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Local Mortgage Experts
Our mortgage loan officers live in the area they serve and are ready to help.
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Fast Pre-Qualifications
Fast and free pre-qualifications let sellers and real estate agents know you’re serious about buying a home.
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Home Loan Options
Explore options for primary residences, second homes, investment properties, and land in Virginia.
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Lock & Shop
Lock in your interest rate for up to 360 days, giving you time to find your perfect home.
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Joyner Fine Properties
Save time and money. Go all in with us and you could qualify for our Welcome Home Discount.
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Virginia Statewide Title Services
Find affordable title insurance, as well as closing attorneys.
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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.
Mortgage Loan Officers
Whether you’re looking to buy or refinance, we have a team of local mortgage loan officers ready to help.
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.
Mortgage Resources
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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.
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Watch: 9 Questions First-Time Homebuyers Ask
When it comes to buying your first home, you have questions, and we have answers.
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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.
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