You are about to open a webpage that is not controlled or owned by DCCU. Your rate, fees, and terms may differ based on when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, debt to income ratio, loan to value ratio, etc. Contact our Mortgage Team to get started with your new mortgage today. Rate Can Change Every. ARM rates are adjustable. Learn more about options to lock your rate while your loan is in process. For our Senior Citizens age 55 and over who have a Direct Deposit of their primary source of income (Pension, Social Security, etc. Consider an Adjustable-Rate Mortgage (ARM) 3, 4. Skip to content. 4.254% $1,852.96. Fixed Rate Second Mortgage: 15 yrs. Enter Closing Costs Individually. Contact us today! Yet, rates for home loans consistently below four percent and sometimes in the low three percent range. Savings Rates. Payment does not include taxes and insurance; actual payment may be greater. 15 Debit Transactions Monthly, $250 Amount of Debit Transactions Monthly, Automatic Deposit to Savings or Checking on Oct. 1. DCCU's mortgage team is excited to help make your dream of affordable home ownership a reality! View complete details and disclosure information. The following online calculators serve as helpful tools during the mortgage process. Box 1365, Waynesboro, VA 22980 1.990%: 2.585%: 3/1 ARM . 1.99% rates apply to 3/1 or 5/1 adjustable rate mortgage loans. Whether you're a first time home buyer, ready for your next home, or are looking to refinance, DCCU has the right mortgage option for you. Login; Make a Payment; Locations; ABA# 275978750; 608 256-5665; Home; eServices; Loans & Credit; Accounts & Services; Rates & Resources; About DCCU; Blog; Contact Us; Home Mortgage Loans. Or, just start your application. ARM rates are adjustable. Contact the mortgage advisor near you with questions about buying or refinancing your home or to get pre-qualified or approved for a mortgage. Her focus when working with homebuyers is to help them meet their goals. ), and outline additional expenses that come with buying a home. Refinance: The process of obtaining a new mortgage, usually at a lower rate, to repay and replace an existing mortgage. Properties that qualify for our Fixed-Rate Mortgages are primary residences, second/vacation homes and rental properties. Payment examples are principal and interest only. Use Rate Tracker to notify you when a particular rate is available. Please be aware that information security and privacy policies may differ from those implemented by DCCU. Our mortgage team is happy to help you find the right home loan for your situation and guide you through the lending process - contact us today! Rates, terms, index margin, and conditions are subject to change at any time and may vary based on creditworthiness, qualifications, and collateral conditions. Required field. Lender's Inspection Fee. Vehicles with mileage of 100,000 or greater, an additional 1% will be added to the qualified rate. All rates are updated daily and are for Canadian residents only. The renewal date is the date on which the term of mortgage expires, not to be confused with the amortization period. Calculate the difference between renting and buying a home. Rates and program terms and conditions are subject to change without notice. This is especially true of 10-year fixed mortgages. Home Equity A loan based on the borrower's equity in his or her home. DCCU provides a $1,250 closing cost credit* for all of the above mortgage loan options. 15-Year Fixed-Rate 4.500%. *Closing costs credit only applies to qualifying loans that close and fund. As such, the starting loan amount for jumbo loans may vary based on county. We break down the lending process for you, explaining each step, and the emotions you may experience along the way. Learn More: About Us. Points to Lender. Qualified borrowers can finance up to 125% of the book value or 125% of the purchase price, whichever is less. Apply for a Loan Make a Payment. Thank you for your patience as we process applications as quickly as possible. Tax Service Fee. DCCU does not contribute to the content displayed on this website and does not represent you or the third party in transactions conducted via external links. NMLS #401141 Rates effective as of 12/18/2020 *Credit subject to approval. Refinancing The process of obtaining a new mortgage, usually at a lower rate, to repay and replace an existing mortgage. We stand for saving you money on loans. Home loan rates are subject to change at anytime, without notice. "DCCU worked to fit our needs, for the mortgage we wanted.". 4.501% $764.99. Loan Origination Fee to Lender. All loans are subject to credit and collateral approval. Login; Make a Payment; Locations; ABA# 275978750; 608 256-5665; Home; eServices; Loans & Credit; Accounts & Services ; Rates & Resources; About DCCU; Blog; Contact Us; Loans and Credit. DCCU Mortgage Advisor Serving Staunton and the Surrounding Area NMLS ID# 265398. Homebuyers who go to their local credit union can sometimes lock in rates below three percent, as credit unions typically offer better mortgage rates than big banks. Payment Amortization Calculator. Minimum Balance of $1,000. Even if you've bought a home before, the mortgage lending process can seem overwhelming. Your existing Online Banking login credentials are not recognized by the mortgage application software. Let our Loan Consultant help you choose the loan that is right for you. You are about to open a webpage that is not controlled or owned by DCCU. ARM rates and payments may increase or decrease after consummation due … The default mortgage rates advertised on our website are based on the following assumptions: an excellent credit borrower looking for a home purchase loan for a single family home for personal occupancy priced at under $1,000,000 with a down payment of less than 20 per cent (i.e. ), we offer FREE Printed Checks and Cashiers Checks. The latest mortgage rates; The online forms you need to complete a full application; Note: If a first time application is being made, please select Create Account, following the onscreen prompts to enroll securely. We stand for helping you build your savings. 5/1 ARM 30-year amortization with 3% down with lender-paid private mortgage insurance. 5-Year Fixed-Rate 4.250%. Your local DCCU mortgage team will help you navigate the lending process, finding the home loan that's right for you. Annual Percentage Rate Calculator. Conventional Fixed Rate – your rate stays the same throughout the life of the loan. No credits will be applied if your loan does not close with DCCU. Mortgage Types. DCCU will open at 10:00 a.m. on Thursday, December 17, 2020. Total Closing Costs. Rates are determined by your personal credit history, loan term, account relationship, and payment method. DCCU does not contribute to the content displayed on this website and does not represent you or the third party in transactions conducted via external links. 4.377% $1,030.37. Tutorial videos for many of DCCU services. Delta Community’s Fixed-Rate Mortgage is a conventional loan that is anything but conventional. Ready to get started? An additional charge, up to $10 may apply if member-supplied information is incorrect. DFCU Financial is an equal opportunity lender. At DCCU, we understand that purchasing or refinancing a home is one of the biggest decisions you'll make. Home Equity: A loan based on the borrower's equity in his or her home. Calculate the APR for fixed-rate or adjustable-rate loans. DCCU will open at 10:00 a.m. on Thursday, December 17, 2020. Broker Processing Fee. Closing Costs. Early withdrawal penalties may apply. Because your home isn't just a house. complete list of rates and disclosure information, View complete details and disclosure information, ATM Network Foreign ATM withdrawal inquiry. help desk software Routing# 251483311 Local Calls: 540.946.3200 Out of Area Calls: 800.245.8085 P.O. A mortgage that enables the borrower to acquire a property, rather than refinance or pay for home improvements. Required field. Rates are effective December 9, 2020. Vehicles 2012 model year and newer. 30-year fixed-rate loan with 3% down payment with lender-paid private mortgage insurance. a high-ratio, insured mortgage). Payment examples above are base on a $150,000 loan. Compare mortgage rates with other banks and lenders using our mortgage rate comparison chart below. Our mortgage loan team is ready to help you get into your new house. Due to an increased volume of applications and changes to accommodate social distancing, the home loan process will take longer than usual. Aggregate Credit Limit Maximum is $30,000. Home means something different to everyone, and we know how important finding the right one is. Debt … DCCU's Welcome Home Loans are designed to provide affordable financing options for home buyers. DCCU is the only complete mortgage lending solution. Includes Motor Homes and Travel Trailers 2012 model year and newer. Points to Broker. Preferred Financing. Having lived in the Shenandoah Valley since … The main reason to take out a home equity loan is that it offers a cheaper way of borrowing cash than an unsecured personal loan. 5/1 ARM 30-year amortization with 10% down and no private mortgage insurance required. Rate Lock; Loan Options We make choosing a mortgage and an interest rate easy, simple and fast. Yearly Private Mortgage Insurance. Please be aware that information security and privacy policies may differ from those implemented by DCCU. Protect your money and your identity. 5.250 - 5.500: 5.394 - 5.645: $1,205.82 - $1,225.63: Disclosures . A mortgage that enables the borrower to acquire a property, rather than refinance or pay for home improvements. Required field. Having grown up in the Shenandoah Valley, … Required field. You can get a 10, 15, 20 or 30 year fixed mortgage rate and be protected from the possibility of rising interest rates. Her focus when working with homebuyers is to help them meet their goals. The Homebuyer's Workbook will walk you through the mortgage lending process, introduce you to people you'll meet along the way (Mortgage Advisor, Underwriter, etc. 10-Year Fixed-Rate 4.375%. Angel takes time to get to know what is important to her members in order to provide the best possible service. Diana takes time to get to know what is important to her members in order to provide the best possible service. Your actual rate, payment, terms and costs could be different. DCCU Mortgage Advisor Serving Harrisonburg and the Rockingham County Area NMLS ID# 948511. Rate APR; Adjustable Rate Mortgage; 5/1 ARM. All loans subject to credit approval and certain restrictions apply. Learn More; Calculators Fixed rate loan or variable? Early withdrawal penalties may apply. Maximum Credit Limit is $30,000. Resources for learning more about your finances. Rates are subject to change without notice. Rent vs Own Calculator. Dane County Credit Union offers low rates on fixed rate and adjustable rate home loans with low monthly payments and low down payments. Loan Rates. Our Home Loan Specialists are available to answer your questions about our mortgage options, rates or the home buying process. That's where DCCU comes in to save the day! Click the mortgage term links to change the sorting of the table, based on the mortgage rate… Calculate your monthly payment and see how the principal is paid over time. Skip to content. Diana, who has been assisting borrowers since 2006, joined DCCU in 2013. Availability of rates based on creditworthiness and other factors and are current as of the first day of the current month ******The Annual Percentage Rate (APR) … Security Center. Discover the advantages of our various Loan Options. Next to getting a great rate, our loan programs, including First-Time Home Buyer, 100% Financing and Jumbo Loans, are a benefit for many home buyers. Insured by NCUA. Switch from an adjustable rate loan to a fixed rate mortgage; Change from one adjustable rate loan to another to lower your monthly payment; Reduce your interest rate and your monthly payment; Build equity faster by shortening the term of your loan to 15 or 20 years; Refinancing is simple. The max rate increase at the end of 5 years is 2.50%, with a 6% increase lifetime cap. Since the mortgage interest rates are constantly changing, we offer the option of "locking-in" a current rate to protect you against an increase during the loan process. Mortgages. Application Fee. Education. 30 year fixed rate loan with 10% down payment and no private mortgage insurance required. Video Center. It's where you will make lasting memories. Months. APR Monthly Payment . 8 Mortgages: DFCU Financial does business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. View a complete list of rates and disclosure information. 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