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.

Try Our Mortgage Calculator

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

Estimate Now

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. 

Contact Us

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. 

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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.

Brieanna Coffey

Serving Augusta and the Rockbridge County Area
Phone: 540.946.3277
Mobile: 540.290.6368
NMLS ID# 787318
Learn more about Brieanna

Matt Lunsford

Serving Verona and the Surrounding Area
Phone: 540.946.3296
Mobile: 540.447.4827
NMLS ID# 311218
Learn more about Matt

Kathy Perdue

Serving Waynesboro and the Augusta County Area
Phone: 540.946.3234
Mobile: 540.836.6861
NMLS ID# 759067
Learn more about Kathy

Tina Coffey

Serving Waynesboro and the Augusta County Area
Phone: 540.946.3260
Mobile: 540.476.5775
NMLS ID# 297708
Learn more about Tina

Joe Wingfield

Serving Staunton and the Surrounding Area
Phone: 540.946.3276
Mobile: 540.649.3546
NMLS ID# 1969003
Learn more about Joe

Sami Haggerty

Serving Woodstock and the Shenandoah County Area
Phone: 540.946.3244
Mobile: 540.383.3156
NMLS ID# 1570599
Learn more about Sami

Kristen D'Allura

Serving Staunton and the Surrounding Area
Phone: 540.946.3282
Mobile: 540.836.8599
NMLS ID# 2275132
Learn more about Kristen

Angel Fitzgerald

Serving Harrisonburg and the Rockingham County Area
Phone: 540.946.3267
Mobile: 540.487.0868
NMLS ID# 948511
Learn more about Angel

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
Get Started
Learn More

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
Get Started
Learn More

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.

Contact a Mortgage Advisor

*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

DCCU Homebuyer’s Guide: The Path to Homeownership

Whether you are an experienced homebuyer, or this is your first time, the DCCU Homebuyer's Guide will help you navigate the process and answer questions that may arise along the way.
View 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.
View Brochure

Additional Resources

3 Advantages of Homeownership

Becoming a homeowner brings a lot of responsibility, but also offers several rewarding benefits. Here are just three of the advantages to owning a home.
Read Blog

4 Reasons to Get Preapproved for a Mortgage

Getting a mortgage preapproval means your financial information is verified up front. Here are four reasons preapproval can assist you in the home buying process.
Read Blog

Four Reasons to Consider Refinancing Your Home

Buying a home is an investment, but what about refinancing that home? Refinancing essentially means applying for a new loan with different terms than the original one. There are a variety of reasons to consider refinancing your home, and today we offer you four.
Read More
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.