Finding the Mortgage that's Right for You

The process of buying or refinancing a home can be daunting, but your local Mortgage Advisor will help you every step of the way. We understand that every buyer's situation is unique, and our goal is to make sure you receive the right mortgage to fit your needs.

 

Adjustable-Rate Mortgages

Low rates early in the loan term mean lower monthly payments and can help you build equity sooner.

Fixed-Rate Mortgages

If you plan to stay in your home for a longer period of time, your interest rate will remain the same for the life of your loan.

Lending Options

Up to 100% financing, and a variety of terms available.

RateDrop Mortgage

Intoducing RateDrop Mortgage

We know choosing the right financing for your home is important. That’s why we’re giving you more control over your mortgage with our new RateDrop Mortgage. You can lower your mortgage rate every 12 months* if rates drop. No refinancing or new closing costs are required – just pay a processing fee per rate adjustment. 

*Offers of credit subject to creditworthiness and collateral. One-time processing fee per rate adjustment. Membership required.

Rates

Rates accurate as of 12/14/2023. Rates are subject to change without notice.

  • 30 Year Fixed
  • Rate
  • 6.875%
  • APR
  • 6.912%
  • 20 Year Fixed
  • Rate
  • 6.250%
  • APR
  • 6.297%
  • 5/5 ARM
  • Rate
  • 6.500%
  • APR
  • 6.749%
  • 5/1 ARM
  • Rate
  • 6.500%
  • APR
  • 7.188%
  • 3/1 ARM
  • Rate
  • 6.125%
  • APR
  • 7.243%

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 gudie 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.

MEET OUR
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.

Why Choose DCCU
Mary Hudson, Mortgage Origination Manager
Whether you are an experienced homebuyer or if this is your first time, our team of Mortgage Advisors are committed to supporting you at each step of your mortgage journey.
Mary Hudson
Mortgage Origination Manager, NMLS# 190167

Your Mortgage Options

Purchase

Choose from a variety of mortgage options, all designed to get you into the home you need with flexible terms that fit your budget.

  • Low or no down payment options
  • Up to 100% financing available
  • Variety of terms

Refinance

Whether you are looking to lower your monthly payment, make renovations, or use your home’s equity to finance a major purchase, refinancing your home is a great option.

  • Fixed and adjustable-rate options
  • Restructure your loan terms
  • Take cash out of your home

Construction

Enjoy the flexible financing you need while you build a new home or renovate your current one. And our mortgage team will walk you through the process from start to finish.

  • Up to 80% LTV financing
  • Various terms available
  • Interest-only payments during construction
  • Flexible draws and disbursements

Concurrent Home Equity Plus

If you have equity in your home, ask us about our First Mortgage/Home Equity Plus Concurrent program, which allows you to finance your home and set up a Home Equity Plus line of credit at the same time! Whether you are purchasing a home or refinancing your current home, Concurrent Home Equity Plus is a smart way to save on closing costs because you only pay one closing for both loans.

*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

REACH OUT TO OUR TEAM

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.


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*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.