Put $500 back in your pocket.

For a limited time, get $500 off closing costs? when you finance with us.

Apply now Contact a loan officer

Home Sweet Savings

From now until August 31, if you finance your home with Virginia Credit Union, we'll give you $500 toward closing costs!? More ways we got you:

We provide a wide variety of mortgage programs, including options with low down payment options.?

Save even more with our Welcome Home Discount. Finance with us, use a Joyner Fine Properties REALTOR®, and use Virginia Statewide Title Services for your title insurance, and you could save an average of $1,500-$2,100.?

We offer competitive fixed and variable rates with the option to lock your rate while you shop.

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

Apply now Contact a loan officer

1
Virginia Federal Credit Union is offering a $500 discount on closing costs on new mortgage loans subject to qualification and credit approval. This promotion is valid for new applications submitted between 3/1/2026 and 8/31/2026. The closing costs reduction will be limited to the lesser of $500 or lender closing costs and may not exceed the maximum seller contribution limits set by program guidelines. Mortgage loan must close by 11/30/2026. This offer 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 Federal Credit Union’s loan program guidelines.
2
Mortgage application required. Certain restrictions, limits, and other conditions apply.
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.