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.

Explore Mortgage Options

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

Kathy Perdue

Serving 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

Diana Sample

Serving Waynesboro and the Augusta County Area
Phone: 540.946.3267
Mobile: 540.649.0657
NMLS ID# 265398
Learn more about Diana

Sam Sandoval

Serving Harrisonburg and the Rockingham County Area
Phone: 540.946.3236
Mobile: 540.435.2990
NMLS ID# 1634016
Learn more about Sam

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

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.

Options:

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

Benefits:

  • 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.
Apply Now

Adjustable Rate Mortgages (ARM)

Options:

  • 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)

Benefits:

  • 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.

 

Apply Now

VA Loans

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

Options:
  • 15-year fixed rate loan

Benefits:

  • 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
Apply Now

*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

Are You Ready for Home Ownership?

Owning a home is a big responsibility, and it comes with advantages and disadvantages. Having more knowledge about the home buying process can help get you closer to realizing your dream.
Read Blog

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
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.