Home Mortgage Loans

• Competitive rates for home purchase or refinance
• First and second mortgage loans available on primary, seasonal, and rental properties
• Low closing costs¹
• Financing on up to 80% of the property’s value for all mortgages on the property
• Flexible monthly, bi-weekly, and weekly payment options
• Payment options of payroll deduction, ACH, direct deposit, and Bill Pay
• Home equity loans available to finance remodels or other large purchases
• Free pre-qualification available for extra confidence when it comes to securing financing
• Fast loan decisions, often within 24 hours
• Friendly service from fellow community members 

Found the perfect plot of land to start building? For information on our bare land loans, please contact one of our loan officers at any office. 

¹A member paid for appraisal is required for loan balances over $150,000.

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Put only 10% down on your home loan.²

Low Down Payment Home Loan Program is available for all buyers of residential property. No private mortgage insurance (PMI) required! 

Down payment and closing costs.

Put down just 10% of the purchase price of verifiable funds and all closing costs, including possible home inspections. The funds for the down payment and closing costs can be from gifted funds and/or gifted equity, or the verifiable sale of an asset and/or savings withdrawal. 

Choose from low-rate options and flexible terms for up to 80% of your first mortgage.²

First Mortgage

Take a look at our first mortgage rates for financing a maximum of 80% of the purchase price or appraised value whichever is less. The maximum amortization is up to 360 months based on the condition of the property and value. 

Finance up to 10% with a VCCU second mortgage.²

Second Mortgage

Take a look at our second mortgage rates for financing a maximum of 10% of the purchase price or appraised value whichever is less. The maximum amortization period is up to 120 months. 

Escrows

VCCU escrows for real estate taxes, special assessments and flood insurance when required. We do not escrow for home owners’ insurance.

We offer FREE pre-qualification!

Once an application is received, the credit union may require written proof of income, written verification of the funds for the 10% down and closing costs, or a purchase contract with condition report, prior to issuing the Loan Estimate.

Talk to an experienced VCCU loan officer today about which option is right for you!

²Dollar amount based on the purchase price or appraised value, whichever is less. No private mortgage insurance (PMI) required! Residential property purchases only. Rates, terms and conditions are subject to change and vary based on creditworthiness, qualifications and collateral conditions. Membership eligibility required. All loans are subject to Valley Communities Credit Union underwriting standards. Talk to a Valley Communities Credit Union loan officer for current loan rates and terms.

In order to provide homebuyers and the general public with greater information concerning the companies and professionals in the mortgage industry and in fulfillment of the federal S.A.F.E. Mortgage Licensing Act of 2008, the Nationwide Mortgage Licensing System & Registry (NMLS) hosts a website called NMLS Consumer Access. NMLS Consumer Access is a fully searchable website that allows the public to view information concerning state-licensed companies, branches, and individuals licensed and registered through NMLS.

Found online at NMLSConsumerAccess.org, contains administrative and licensing information for companies, branches, and individuals licensed or registered through NMLS. NMLS Consumer Access is provided without charge to the public. 

Valley Communities Credit Union (431643)

Click here to meet our loan officers

With years of timely mortgage payments comes equity — and with equity comes a built-in way to finance all kinds of major needs! Contact us to apply for a home equity loan. 

• Competitive rates for several short-term or one-time needs:
  • Education expenses
  • Major life events
  • Home remodel projects
  • Debt consolidation
  • And much more!
• The existing equity in your home is used as collateral backing
• Accommodating repayment terms that work for you
• The interest paid might be tax deductible³
• Fast loan decisions, often within 24 hours
• Friendly service from fellow community members 

³Consult a tax advisor.