Learn about personal loans, auto loans, mortgages, view rates, use mortgage calculators and help determine a loan right for you. Your existing Online Banking login credentials are not recognized by the mortgage application software. Your actual rate, payment, terms and costs could be different. Underwriting Review Fee. Home loan rates are subject to change at anytime, without notice. 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. Use our Loan Options resources to help you develop a 3-D picture. Example loan: $120,000 loan amount, 3.90% entry rate and 3.36% APR, $566.00 per month principal and interest payment. 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! Learn more about options to lock your rate while your loan is in process. Even if you've bought a home before, the mortgage lending process can seem overwhelming. Refinance: The process of obtaining a new mortgage, usually at a lower rate, to repay and replace an existing mortgage. Closing Costs. This is especially true of 10-year fixed mortgages. 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. Yearly Private Mortgage Insurance. Protect your money and your identity. Having grown up in the Shenandoah Valley, … Contact the mortgage advisor near you with questions about buying or refinancing your home or to get pre-qualified or approved for a mortgage. 5/1 ARM 30-year amortization with 3% down with lender-paid private mortgage insurance. Rates, terms, index margin, and conditions are subject to change at any time and may vary based on creditworthiness, qualifications, and collateral conditions. Delta Community’s Fixed-Rate Mortgage is a conventional loan that is anything but conventional. Get an official Loan Estimate before choosing a loan. Rates and program terms and conditions are subject to change without notice. Our Adjustable-Rate Mortgages have a mix of a fixed rate period and an adjustable-rate period. The payment examples do not include mortgage insurance. Preferred Financing. Early withdrawal penalties may apply. Let our Loan Consultant help you choose the loan that is right for you. Contact our Mortgage Team to get started with your new mortgage today. Debt … Conventional Fixed Rate – your rate stays the same throughout the life of the loan. Your local DCCU mortgage team will help you navigate the lending process, finding the home loan that's right for you. Angel takes time to get to know what is important to her members in order to provide the best possible service. The rate hold clause refers to how long before your mortgage renewal date you can lock in the prevailing mortgage rate, should that interest rate be a favourable one. 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. 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. Angel, who has been assisting borrowers since 2011, joined DCCU in 2014. All home lending products are subject to credit and property approval. Includes Motor Homes and Travel Trailers 2012 model year and newer. Learn more about AngelPhone: 540.946.3266Mobile: 540.487.0868Email: AFitzgerald@mydccu.comNMLS ID# 948511, Learn more about BrieannaPhone: 540.946.3277Mobile: 540.290.6368Email: BCoffey@mydccu.comNMLS ID# 787318, Learn more about MattPhone: 540.946.3296Mobile: 540.447.4827Email: MLunsford@mydccu.comNMLS ID# 311218, Learn more about KathyPhone: 540.946.3234Mobile: 540.836.6861Email: KathyPerdue@mydccu.comNMLS ID# 759067, Learn more about TinaPhone: 540.946.3260Mobile: 540.476.5775Email: TCoffey@mydccu.comNMLS ID# 297708, Learn more about DianaPhone: 540.946.3267Mobile: 540.649.0657Email: DSample@mydccu.comNMLS ID# 265398, Learn more about MichellePhone: 540.946.3262Mobile: 540.280.9105Email: MCoffey@mydccu.comNMLS ID# 414848, Learn more about SamPhone: 540.946.3236Mobile: 540.435.2990Email:SSandoval@mydccu.comNMLS ID# 1634016, Learn more about NoelPhone: 540.946.3264Mobile: 540.470.8091Email:NFrye@mydccu.comNMLS ID# 713228, Learn more about JoePhone: 540.946.3276Mobile: 540.649.3546Email:JWingfield@mydccu.comNMLS ID# 1969003. NMLS #401141 Rates effective as of 12/18/2020 *Credit subject to approval. Loan Origination Fee to Lender. Calculate the APR for fixed-rate or adjustable-rate loans. 15 Debit Transactions Monthly, $250 Amount of Debit Transactions Monthly, Automatic Deposit to Savings or Checking on Oct. 1. Compare mortgage rates with other banks and lenders using our mortgage rate comparison chart below. complete list of rates and disclosure information, View complete details and disclosure information, ATM Network Foreign ATM withdrawal inquiry. Total Closing Costs. Our mortgage loan team is ready to help you get into your new house. Rates are determined by your personal credit history, loan term, account relationship, and payment method. You can get a 10, 15, 20 or 30 year fixed mortgage rate and be protected from the possibility of rising interest rates. The renewal date is the date on which the term of mortgage expires, not to be confused with the amortization period. Education. View a complete list of rates and disclosure information. The $1,250 closing cost credit can be waived on some DCCU low down payment loan options. DCCU provides a $1,250 closing cost credit* for all of the above mortgage loan options. 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. 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. As such, the starting loan amount for jumbo loans may vary based on county. A mortgage that enables the borrower to acquire a property, rather than refinance or pay for home improvements. 1.990%: 2.585%: 3/1 ARM . A mortgage that enables the borrower to acquire a property, rather than refinance or pay for home improvements. Fixed Rate Second Mortgage: 15 yrs. Resources for learning more about your finances. RVs with mileage of 100,000 or greater, an additional 1% will be added to the qualified rate. Security Center. 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. Learn More: About Us. 4.377% $1,030.37. We offer personal banking, mortgages, loans & more. That's where DCCU comes in to save the day! Vehicles with mileage of 100,000 or greater, an additional 1% will be added to the qualified rate. DCCU Mortgage Advisor Serving Staunton and the Surrounding Area NMLS ID# 265398. Mortgage Rates Accurate as of View a complete list of rates and disclosure information. We stand for helping you build your savings. At DCCU, we understand that purchasing or refinancing a home is one of the biggest decisions you'll make. Our Home Loan Specialists are available to answer your questions about our mortgage options, rates or the home buying process. Enter Total Closing Costs. Box 1365, Waynesboro, VA 22980 Application Fee. The following online calculators serve as helpful tools during the mortgage process. Rates & Services. 1.99% rates apply to 3/1 or 5/1 adjustable rate mortgage loans. Home Equity A loan based on the borrower's equity in his or her home. 30-year fixed-rate loan with 3% down payment with lender-paid private mortgage insurance. 15-Year Fixed-Rate 4.500%. View complete details and disclosure information. 8 Mortgages: DFCU Financial does business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Video Center. 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. No credits will be applied if your loan does not close with DCCU. Mortgage Types. DCCU's Welcome Home Loans are designed to provide affordable financing options for home buyers. Because your home isn't just a house. Contact us today! Mortgages. Apply for a Loan Make a Payment. Diana takes time to get to know what is important to her members in order to provide the best possible service. 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. The max rate increase at the end of 5 years is 2.50%, with a 6% increase lifetime cap. 5-Year Fixed-Rate 4.250%. We stand for saving you money on loans. Months. Rent vs Own Calculator. Rates are effective December 9, 2020. Rate Can Change Every. You are about to open a webpage that is not controlled or owned by DCCU. The 5/1 ARM rate will adjust at the end of the 5-year term and is tied to the 1 Year Constant Maturity Treasury Rate. Home Equity: A loan based on the borrower's equity in his or her home. Points to Broker. Payment does not include taxes and insurance; actual payment may be greater. It's where you will make lasting memories. Properties that qualify for our Fixed-Rate Mortgages are primary residences, second/vacation homes and rental properties. Thank you for your patience as we process applications as quickly as possible. Early withdrawal penalties may apply. Enter Closing Costs Individually. Minimum Balance of $1,000. Deere Employees Credit Union is a member-owned cooperative that offers exclusive benefits to Deere employees and their families. Dccu Mortgage Rates It is recommended for financing major one-off expenses, including home renovations or repairs, medical bills, repayment of credit card debt, or funding college tuition. 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. 5.250 - 5.500: 5.394 - 5.645: $1,205.82 - $1,225.63: Disclosures . 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. Home financing can seem like an … Dane County Credit Union offers low rates on fixed rate and adjustable rate home loans with low monthly payments and low down payments. Vehicles 2012 model year and newer. Or, just start your application. 30 year fixed rate loan with 10% down payment and no private mortgage insurance required. All loans subject to credit approval and certain restrictions apply. 4.501% $764.99. Consider an Adjustable-Rate Mortgage (ARM) 3, 4. Yet, rates for home loans consistently below four percent and sometimes in the low three percent range. Sorry! 1.99% rates apply to 3/1 or 5/1 adjustable rate mortgage loans. Required field. Maximum Credit Limit is $30,000. Find the best residential mortgage rates in Canada* Tip: Click any two mortgage rates to compare typical payment amounts & interest. ARM rates and payments may increase or decrease after consummation due … 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. What State is the property located in? Qualified borrowers can finance up to 125% of the book value or 125% of the purchase price, whichever is less. DCCU is the only complete mortgage lending solution. Due to an increased volume of applications and changes to accommodate social distancing, the home loan process will take longer than usual. 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. 4.254% $1,852.96. This mortgage allows you to make a lower monthly payment and build equity in your home faster than a higher fixed rate mortgage. All loans are subject to credit and collateral approval. Refinancing The process of obtaining a new mortgage, usually at a lower rate, to repay and replace an existing mortgage. DFCU Financial is an equal opportunity lender. Calculate the difference between renting and buying a home. Insured by NCUA. Required field. ), we offer FREE Printed Checks and Cashiers Checks. For our Senior Citizens age 55 and over who have a Direct Deposit of their primary source of income (Pension, Social Security, etc. Lender's Inspection Fee. Rates are subject to change without notice. Click the mortgage term links to change the sorting of the table, based on the mortgage rate… We break down the lending process for you, explaining each step, and the emotions you may experience along the way. 10-Year Fixed-Rate 4.375%. FIXED RATE MORTGAGES: JUMBO LOANS $510,401 - $3,000,000 Jumbo loan limits are loan amounts that either exceed conventional or high-cost area loan limits published by the Federal Housing Finance Agency (FHFA) annually. Having lived in the Shenandoah Valley since … Aggregate Credit Limit Maximum is $30,000. We stand for diverse mortgage options and great rates. Diana, who has been assisting borrowers since 2006, joined DCCU in 2013. The 5/1 ARM rate will adjust at the end of the 5-year term and is tied to the 1 Year Constant Maturity Treasury Rate. Skip to content. Just like everyone's picture of home is different, every buyer's situation is unique. Broker Processing Fee. Points to Lender. DCCU will open at 10:00 a.m. on Thursday, December 17, 2020. The $1,250 closing cost credit can be waived on some DCCU low down payment loan options. Ready to get started? Savings Rates. APR Monthly Payment . Payment Amortization Calculator. "DCCU worked to fit our needs, for the mortgage we wanted.". Rate Lock; Loan Options We make choosing a mortgage and an interest rate easy, simple and fast. ARM rates are adjustable. DCCU Mortgage Advisor Serving Harrisonburg and the Rockingham County Area NMLS ID# 948511. Please be aware that information security and privacy policies may differ from those implemented by DCCU. Learn More; Calculators Fixed rate loan or variable? Home means something different to everyone, and we know how important finding the right one is. a high-ratio, insured mortgage). That's why we provide both great rates and personal service to our members. Her focus when working with homebuyers is to help them meet their goals. ¹APR= Annual Percentage Rate. Tutorial videos for many of DCCU services. help desk software Routing# 251483311 Local Calls: 540.946.3200 Out of Area Calls: 800.245.8085 P.O. Calculate your monthly payment and see how the principal is paid over time. Tax Service Fee. Rate APR; Adjustable Rate Mortgage; 5/1 ARM. DCCU's mortgage team is excited to help make your dream of affordable home ownership a reality! It's where you'll host backyard barbeques and family dinners. Use Rate Tracker to notify you when a particular rate is available. Annual Percentage Rate Calculator. For example: San Diego County = $701,501; Los Angeles/Orange Counties = $765,601; San … Skip to content. Second Mortgage Rates Fixed-Rate Home Equity Loan* Term Rate . Loan Origination Fee to Broker. 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. Minimum Balance of $500. ARM rates are adjustable. Payment examples are principal and interest only. Discover the advantages of our various Loan Options. DCCU will open at 10:00 a.m. on Thursday, December 17, 2020. 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) … Required field. Her focus when working with homebuyers is to help them meet their goals. You are about to open a webpage that is not controlled or owned by DCCU. Good if you are planning to stay in your home for a longer term. All rates are updated daily and are for Canadian residents only. Required field. Please be aware that information security and privacy policies may differ from those implemented by DCCU. See what a mortgage from DCCU could do for you! ), and outline additional expenses that come with buying a home. Payment examples above are base on a $150,000 loan. An additional charge, up to $10 may apply if member-supplied information is incorrect. 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