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.

Try Our Mortgage Calculator

Calculating your mortgage payment is an important first step. Use this calculator to calculate your estimated monthly payment.

Contact a Mortgage Advisor

Our mortgage team is happy to help you find the right home loan for your situation and guide you through the lending process. 

Start Your Mortgage Journey

Take comfort in knowing that DCCU is working hard on your behalf from start to finish on your path to homeownership. 

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.

Welcome Home Loans

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

Fixed Rate Mortgage Loans

DCCU offers a variety of fixed-rate home loan options to meet your needs.


  • 10-year fixed rate loan
  • 15-year fixed rate loan
  • 20-year fixed rate loan
  • 30-year fixed rate loan


  • Level principal and interest payments for the full term of the loan.
  • Taxes and Insurance are included in your monthly payment.
  • No risk that changing market conditions will increase your monthly payments.

Adjustable Rate Mortgages (ARM)


  • 5/1 ARM 20-year amortization with no down payment required
  • 5/1 ARM 30-year amortization with 3% down
  • 5/1 ARM 30-year amortization with 10% down (no private mortgage insurance required)


  • Low down payment
  • Interest rate stays fixed for a set amount of time
  • Lower PMI coverage/premium than on a secondary market product
  • No income or Virginia property location eligibility restrictions.


VA Loans

A qualified veteran can purchase a home with no down payment through DCCU.

  • 15-year fixed rate loan


  • Mortgage Insurance can be built into the loan
  • 15 Year Term provides faster amortization
  • Allows veterans to qualify for loan amounts larger than traditional loans
  • Government insured

*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, 3.9% entry rate and 3.36% APR, $566.00 per month principal and interest payment. Rates, terms, 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 | nmlconsumeraccess.org

Additional Resources


Contact a DCCU 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.

Which Option Are You Interested In?

Tell Us More About Yourself.

What's The Best Way To Contact You?

render reCAPTCHA after an onload callback

*Eligibility for VA/Military loans is determined by a set of criteria specified by the Department of Veterans Affairs. Eligible Service Personnel includes Active Duty, Selected Reserves or National Guard, Unremarried Surviving Spouses/Spouses of POW or MIA Serviceperson, and personnel discharged under other than dishonorable conditions.