Mortgages. Rate Lock; Loan Options We make choosing a mortgage and an interest rate easy, simple and fast. Even if you've bought a home before, the mortgage lending process can seem overwhelming. Home loan rates are subject to change at anytime, without notice. Having grown up in the Shenandoah Valley, … Homebuyers who go to their local credit union can sometimes lock in rates below three percent, as credit unions typically offer better mortgage rates than big banks. At DCCU, we understand that purchasing or refinancing a home is one of the biggest decisions you'll make. Minimum Balance of $500. It's where you will make lasting memories. For example: San Diego County = $701,501; Los Angeles/Orange Counties = $765,601; San … Home Equity A loan based on the borrower's equity in his or her home. Since the mortgage interest rates are constantly changing, we offer the option of "locking-in" a current rate to protect you against an increase during the loan process. Dccu Mortgage Rates It is recommended for financing major one-off expenses, including home renovations or repairs, medical bills, repayment of credit card debt, or funding college tuition. Angel takes time to get to know what is important to her members in order to provide the best possible service. Rates are effective December 9, 2020. Her focus when working with homebuyers is to help them meet their goals. Your actual rate, payment, terms and costs could be different. 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. Our Home Loan Specialists are available to answer your questions about our mortgage options, rates or the home buying process. Learn More: About Us. Let our Loan Consultant help you choose the loan that is right for you. ), and outline additional expenses that come with buying a home. DCCU is the only complete mortgage lending solution. We stand for saving you money on loans. 30 year fixed rate loan with 10% down payment and no private mortgage insurance required. 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. We stand for diverse mortgage options and great rates. 4.501% $764.99. Savings Rates. 4.377% $1,030.37. Next to getting a great rate, our loan programs, including First-Time Home Buyer, 100% Financing and Jumbo Loans, are a benefit for many home buyers. DCCU does not contribute to the content displayed on this website and does not represent you or the third party in transactions conducted via external links. Please be aware that information security and privacy policies may differ from those implemented by DCCU. Delta Community’s Fixed-Rate Mortgage is a conventional loan that is anything but conventional. Vehicles 2012 model year and newer. You are about to open a webpage that is not controlled or owned by DCCU. 1.99% rates apply to 3/1 or 5/1 adjustable rate mortgage loans. Use our Loan Options resources to help you develop a 3-D picture. Click the mortgage term links to change the sorting of the table, based on the mortgage rate… ARM rates are adjustable. Payment examples are principal and interest only. 4.254% $1,852.96. Rates and program terms and conditions are subject to change without notice. This mortgage allows you to make a lower monthly payment and build equity in your home faster than a higher fixed rate mortgage. Your existing Online Banking login credentials are not recognized by the mortgage application software. See what a mortgage from DCCU could do for you! Enter Total Closing Costs. Or, just start your application. Ready to get started? 1.990%: 2.585%: 3/1 ARM . Yearly Private Mortgage Insurance. Broker Processing Fee. Login; Make a Payment; Locations; ABA# 275978750; 608 256-5665; Home; eServices; Loans & Credit; Accounts & Services; Rates & Resources; About DCCU; Blog; Contact Us; Home Mortgage Loans. Deere Employees Credit Union is a member-owned cooperative that offers exclusive benefits to Deere employees and their families. DCCU provides a $1,250 closing cost credit* for all of the above mortgage loan options. That's where DCCU comes in to save the day! It's where you'll host backyard barbeques and family dinners. Minimum Balance of $1,000. 5/1 ARM 30-year amortization with 3% down with lender-paid private mortgage insurance. 8 Mortgages: DFCU Financial does business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Early withdrawal penalties may apply. Payment does not include taxes and insurance; actual payment may be greater. a high-ratio, insured mortgage). Angel, who has been assisting borrowers since 2011, joined DCCU in 2014. APR Monthly Payment . Learn more about AngelPhone: 540.946.3266Mobile: 540.487.0868Email: AFitzgerald@mydccu.comNMLS ID# 948511, Learn more about BrieannaPhone: 540.946.3277Mobile: 540.290.6368Email: BCoffey@mydccu.comNMLS ID# 787318, Learn more about MattPhone: 540.946.3296Mobile: 540.447.4827Email: MLunsford@mydccu.comNMLS ID# 311218, Learn more about KathyPhone: 540.946.3234Mobile: 540.836.6861Email: KathyPerdue@mydccu.comNMLS ID# 759067, Learn more about TinaPhone: 540.946.3260Mobile: 540.476.5775Email: TCoffey@mydccu.comNMLS ID# 297708, Learn more about DianaPhone: 540.946.3267Mobile: 540.649.0657Email: DSample@mydccu.comNMLS ID# 265398, Learn more about MichellePhone: 540.946.3262Mobile: 540.280.9105Email: MCoffey@mydccu.comNMLS ID# 414848, Learn more about SamPhone: 540.946.3236Mobile: 540.435.2990Email:SSandoval@mydccu.comNMLS ID# 1634016, Learn more about NoelPhone: 540.946.3264Mobile: 540.470.8091Email:NFrye@mydccu.comNMLS ID# 713228, Learn more about JoePhone: 540.946.3276Mobile: 540.649.3546Email:JWingfield@mydccu.comNMLS ID# 1969003. Due to an increased volume of applications and changes to accommodate social distancing, the home loan process will take longer than usual. Yet, rates for home loans consistently below four percent and sometimes in the low three percent range. Rates & Services. Sorry! help desk software Routing# 251483311 Local Calls: 540.946.3200 Out of Area Calls: 800.245.8085 P.O. 1.99% rates apply to 3/1 or 5/1 adjustable rate mortgage loans. Because your home isn't just a house. Payment examples above are base on a $150,000 loan. Points to Lender. A mortgage that enables the borrower to acquire a property, rather than refinance or pay for home improvements. That's why we provide both great rates and personal service to our members. 10-Year Fixed-Rate 4.375%. Home Equity: A loan based on the borrower's equity in his or her home. Diana takes time to get to know what is important to her members in order to provide the best possible service. Use Rate Tracker to notify you when a particular rate is available. Good if you are planning to stay in your home for a longer term. Loan Origination Fee to Lender. Application Fee. Home financing can seem like an … DCCU Mortgage Advisor Serving Harrisonburg and the Rockingham County Area NMLS ID# 948511. 5.250 - 5.500: 5.394 - 5.645: $1,205.82 - $1,225.63: Disclosures . NMLS #401141 Rates effective as of 12/18/2020 *Credit subject to approval. Get an official Loan Estimate before choosing a loan. Calculate the APR for fixed-rate or adjustable-rate loans. Conventional Fixed Rate – your rate stays the same throughout the life of the loan. Login; Make a Payment; Locations; ABA# 275978750; 608 256-5665; Home; eServices; Loans & Credit; Accounts & Services ; Rates & Resources; About DCCU; Blog; Contact Us; Loans and Credit. Our Adjustable-Rate Mortgages have a mix of a fixed rate period and an adjustable-rate period. ¹APR= Annual Percentage Rate. Discover the advantages of our various Loan Options. Protect your money and your identity. Just like everyone's picture of home is different, every buyer's situation is unique. Find the best residential mortgage rates in Canada* Tip: Click any two mortgage rates to compare typical payment amounts & interest. DCCU will open at 10:00 a.m. on Thursday, December 17, 2020. 5-Year Fixed-Rate 4.250%. As such, the starting loan amount for jumbo loans may vary based on county. Required field. The rate hold clause refers to how long before your mortgage renewal date you can lock in the prevailing mortgage rate, should that interest rate be a favourable one. Compare mortgage rates with other banks and lenders using our mortgage rate comparison chart below. Refinance: The process of obtaining a new mortgage, usually at a lower rate, to repay and replace an existing mortgage. RVs with mileage of 100,000 or greater, an additional 1% will be added to the qualified rate. The max rate increase at the end of 5 years is 2.50%, with a 6% increase lifetime cap. 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. DCCU does not contribute to the content displayed on this website and does not represent you or the third party in transactions conducted via external links. Learn about personal loans, auto loans, mortgages, view rates, use mortgage calculators and help determine a loan right for you. Loan Origination Fee to Broker. Preferred Financing. The renewal date is the date on which the term of mortgage expires, not to be confused with the amortization period. Contact our Mortgage Team to get started with your new mortgage today. A mortgage that enables the borrower to acquire a property, rather than refinance or pay for home improvements. You can get a 10, 15, 20 or 30 year fixed mortgage rate and be protected from the possibility of rising interest rates. Please be aware that information security and privacy policies may differ from those implemented by DCCU. Early withdrawal penalties may apply. Annual Percentage Rate Calculator. All home lending products are subject to credit and property approval. Calculate your monthly payment and see how the principal is paid over time. "DCCU worked to fit our needs, for the mortgage we wanted.". Switch from an adjustable rate loan to a fixed rate mortgage; Change from one adjustable rate loan to another to lower your monthly payment; Reduce your interest rate and your monthly payment; Build equity faster by shortening the term of your loan to 15 or 20 years; Refinancing is simple. Her focus when working with homebuyers is to help them meet their goals. For our Senior Citizens age 55 and over who have a Direct Deposit of their primary source of income (Pension, Social Security, etc. Maximum Credit Limit is $30,000. Enter Closing Costs Individually. Our mortgage loan team is ready to help you get into your new house. 15-Year Fixed-Rate 4.500%. Debt … Refinancing The process of obtaining a new mortgage, usually at a lower rate, to repay and replace an existing mortgage. Your rate, fees, and terms may differ based on when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, debt to income ratio, loan to value ratio, etc. Required field. Thank you for your patience as we process applications as quickly as possible. Fixed Rate Second Mortgage: 15 yrs. Rates, terms, index margin, and conditions are subject to change at any time and may vary based on creditworthiness, qualifications, and collateral conditions. Calculate the difference between renting and buying a home. Second Mortgage Rates Fixed-Rate Home Equity Loan* Term Rate . Qualified borrowers can finance up to 125% of the book value or 125% of the purchase price, whichever is less. 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 today! 15 Debit Transactions Monthly, $250 Amount of Debit Transactions Monthly, Automatic Deposit to Savings or Checking on Oct. 1. The latest mortgage rates; The online forms you need to complete a full application; Note: If a first time application is being made, please select Create Account, following the onscreen prompts to enroll securely. Having lived in the Shenandoah Valley since … Security Center. Rate Can Change Every. The $1,250 closing cost credit can be waived on some DCCU low down payment loan options. Months. Education. 30-year fixed-rate loan with 3% down payment with lender-paid private mortgage insurance. ), we offer FREE Printed Checks and Cashiers Checks. No credits will be applied if your loan does not close with DCCU. Tax Service Fee. The following online calculators serve as helpful tools during the mortgage process. Properties that qualify for our Fixed-Rate Mortgages are primary residences, second/vacation homes and rental properties. This is especially true of 10-year fixed mortgages. Points to Broker. Underwriting Review Fee. DFCU Financial is an equal opportunity lender. Insured by NCUA. Skip to content. Includes Motor Homes and Travel Trailers 2012 model year and newer. Required field. Vehicles with mileage of 100,000 or greater, an additional 1% will be added to the qualified rate. FIXED RATE MORTGAGES: JUMBO LOANS $510,401 - $3,000,000 Jumbo loan limits are loan amounts that either exceed conventional or high-cost area loan limits published by the Federal Housing Finance Agency (FHFA) annually. The payment examples do not include mortgage insurance. Rate APR; Adjustable Rate Mortgage; 5/1 ARM. Contact the mortgage advisor near you with questions about buying or refinancing your home or to get pre-qualified or approved for a mortgage. Skip to content. Dane County Credit Union offers low rates on fixed rate and adjustable rate home loans with low monthly payments and low down payments. Consider an Adjustable-Rate Mortgage (ARM) 3, 4. Resources for learning more about your finances. What State is the property located in? Closing Costs. The default mortgage rates advertised on our website are based on the following assumptions: an excellent credit borrower looking for a home purchase loan for a single family home for personal occupancy priced at under $1,000,000 with a down payment of less than 20 per cent (i.e. Rates are subject to change without notice. complete list of rates and disclosure information, View complete details and disclosure information, ATM Network Foreign ATM withdrawal inquiry. Required field. Example loan: $120,000 loan amount, 3.90% entry rate and 3.36% APR, $566.00 per month principal and interest payment. 5/1 ARM 30-year amortization with 10% down and no private mortgage insurance required. Loan Rates. The $1,250 closing cost credit can be waived on some DCCU low down payment loan options. ARM rates are adjustable. Box 1365, Waynesboro, VA 22980 ARM rates and payments may increase or decrease after consummation due … DCCU will open at 10:00 a.m. on Thursday, December 17, 2020. All loans are subject to credit and collateral approval. DCCU's Welcome Home Loans are designed to provide affordable financing options for home buyers. Apply for a Loan Make a Payment. Availability of rates based on creditworthiness and other factors and are current as of the first day of the current month ******The Annual Percentage Rate (APR) … *Closing costs credit only applies to qualifying loans that close and fund. Payment Amortization Calculator. Video Center.

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