DCCU Mortgage

What Does 'Welcome Home' Mean to You?

Home means something different to everyone, and we know how important finding the right one is. Because your home isn't just a house. It's where you'll host backyard barbeques and family dinners. It's where you will make lasting memories.

Just like everyone's picture of home is different, every buyer's situation is unique. Your local DCCU mortgage team will help you navigate the lending process, finding the home loan that's right for you. 

Featured Resources

Homebuyer's Workbook

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.), and outline additional expenses that come with buying a home. 

Download the Homebuyer's Guide

The Mortgage Lending Process

Even if you've bought a home before, the mortgage lending process can seem overwhelming. We break down the lending process for you, explaining each step, and the emotions you may experience along the way.

Download the Lending Process Brochure

Mortgage Rates Rate APR
5/1 ARM 1.990% 2.638%
3/1 ARM 1.990% 2.753%
30 Yr 3.375% 3.405%
20 Yr 3.125% 3.222%
15 Yr 2.750% 2.803%

Family who purchased a home with a D C C U mortgage

Welcome Home Loans

DCCU's Welcome Home Loans are designed to provide affordable financing options for home buyers. 

Our suite of Welcome Home Loans includes:

  • DCCU low down payment options
    • 20-year fixed rate loan, no down payment required with lender-paid private mortgage insurance.
    • 5/1 ARM 20-year amortization with no down payment required with lender-paid private mortgage insurance.
    • 5/1 ARM 30-year amortization with 3% down with lender-paid private mortgage insurance.
    • 5/1 ARM 30-year amortization with 10% down and no private mortgage insurance required.
    • 30-year fixed-rate loan with 3% down payment with lender-paid private mortgage insurance.
    • 30 year fixed rate loan with 10% down payment and no private mortgage insurance required.
Welcome Home Loans
Explore mortgage options Contact a mortgage advisor
  • Fannie Mae's Home Ready Option - Fixed rate mortgage with 3% down and private mortgage insurance required. Income restrictions apply.
  • USDA Rural Development loans - A USDA home loan can be a good option for those with little or no down payment. Income and geographic restrictions apply. 
  • FHA loans - An FHA home loan can be a good choice if you have a small down payment or difficulty qualifying for a traditional mortgage. Buyers can put down as little as 3.5% of the purchase price.
  • VA Loans - A qualified veteran can purchase a home with no down payment through DCCU.
  • Fixed rate loans - DCCU offers 10, 15, 20, and 30-year loan options through our partnership with Fannie Mae.

*ARM rates are adjustable. 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. The max rate increase at the end of 5 years is 2.50%, with a 6% increase lifetime cap. Example loan: $120,000 loan amount, 3.90% entry rate and 3.36% APR, $566.00 per month principal and interest payment. Rates, terms, index margin, and conditions are subject to change at any time and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to credit approval and certain restrictions apply.

NMLS ID#609369 | nmlsconsumeraccess.org

Mortgage Advisors

DCCU's mortgage team is excited to help make your dream of affordable home ownership a reality! Contact the mortgage advisor near you with questions about buying or refinancing your home or to get pre-qualified or approved for a mortgage.

Angel Fitzgerald

Angel Fitzgerald

Learn more about Angel
Phone: 540.946.3266
Mobile: 540.487.0868
NMLS ID# 948511

Brieanna Coffey

Brieanna Coffey

Learn more about Brieanna
Phone: 540.946.3277
Mobile: 540.290.6368
NMLS ID# 787318

Matt Lunsford

Matt Lunsford

Learn more about Matt
Phone: 540.946.3296
Mobile: 540.447.4827
NMLS ID# 311218

Kathy Perdue

Kathy Perdue

Learn more about Kathy
Phone: 540.946.3234
Mobile: 540.836.6861
NMLS ID# 759067

Tina Coffey

Tina Coffey

Learn more about Tina
Phone: 540.946.3260
Mobile: 540.476.5775
NMLS ID# 297708

Diana Sample

Diana Sample

Learn more about Diana
Phone: 540.946.3267
Mobile: 540.649.0657
NMLS ID# 265398

Sam Sandoval

Sam Sandoval

Learn more about Sam
Phone: 540.946.3236
Mobile: 540.435.2990
NMLS ID# 1634016

Joe Wingfield

Joe Wingfield

Learn more about Joe
Phone: 540.946.3276
Mobile: 540.649.3546
NMLS ID# 1969003

Contact a Mortgage Advisor

At DCCU, we understand that purchasing or refinancing a home is one of the biggest decisions you'll make. That's why we provide both great rates and personal service to our members.

Complete the short form below to have one of our mortgage experts contact you to answer any home loan questions you may have.

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