For decades, DCCU has been serving the mortgage needs of our members. Rooted in the Shenandoah Valley, DCCU’s mortgage team is available to assist with every facet of the home buying process. In today’s complex mortgage environment, it is important to choose a local mortgage lender with advisors who understand the market and a variety of loan options that fit your needs. When you are ready to buy a home or refinance your current home, DCCU is here to lead you through the journey, from start to finish.

There are numerous available options when it comes to selecting a mortgage lender, and sometimes it is hard to know how to choose. One of the most important first steps in the home buying process is to establish a connection with a financial institution that has your best interests in mind. “At DCCU, we have a team of experienced Mortgage Advisors who are knowledgeable about the local housing market and passionate about helping our members realize their dream of homeownership,” said Jay Hutchens, DCCU’s Mortgage Sales Manager. “They will ask about your plans and situation, give you straightforward information about your home financing options, and make sure you have the facts you need to make an informed decision.”

Choosing the right mortgage loan is another important part of the home buying journey. DCCU has a wide range of mortgage loans with flexible terms that fit your individual needs. A fixed-rate mortgage may be ideal if you are planning to remain in your home for a longer period of time and prefer the comfort of knowing your rate will remain the same for the life of the loan. If you are only planning to stay in your home for a few years, perhaps an Adjustable Rate Mortgage (ARM) is better for you. ARMs typically feature a lower rate early in the term that will adjust over time. “Our new 5/5 ARM may provide peace of mind compared to a traditional ARM, and a lower rate than a traditional fixed rate mortgage,” said Jay. “I encourage you to reach out to one of our Mortgage Advisors to learn more.” DCCU also offers Government Loans – FHA, VA, and the USDA Rural Development Loan – that could be a good choice for first time homebuyers.

In addition to having a knowledgeable team of Mortgage Advisors and a variety of loan options, DCCU also has a local team working behind the scenes making the loan decisions, and also processing and underwriting the loans. “Because the mortgage process can be complicated, it is helpful to know you have a dedicated team working hard on your behalf,” said Kim McClamroch, DCCU’s Mortgage Loan Manager. “Our experienced team of professionals maintain communication with you throughout the process with a focus on closing as efficiently as possible and on time.”

When it comes to big decisions like purchasing or refinancing your home, choosing the right mortgage lender can be just as important as finding your ideal home. DCCU has a full range of mortgage loan options with rates and terms that fit your budget. “Whether you are interested in buying or refinancing a home, or just starting to weigh your options, it is never too early to get the conversation started with one of our Mortgage Advisors,” said Jay. “DCCU is committed to helping ensure our members’ mortgage journey is as smooth as possible by providing support and guidance every step of the way,” said Kim.