15 Debit Transactions Monthly, $250 Amount of Debit Transactions Monthly, Automatic Deposit to Savings or Checking on Oct. 1. 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. Enter Closing Costs Individually. Refinancing The process of obtaining a new mortgage, usually at a lower rate, to repay and replace an existing mortgage. The $1,250 closing cost credit can be waived on some DCCU low down payment loan options. Or, just start your application. 5/1 ARM 30-year amortization with 3% down with lender-paid private mortgage insurance. DCCU provides a $1,250 closing cost credit* for all of the above mortgage loan options. Security Center. Insured by NCUA. Rate Lock; Loan Options We make choosing a mortgage and an interest rate easy, simple and fast. Includes Motor Homes and Travel Trailers 2012 model year and newer. 10-Year Fixed-Rate 4.375%. 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. Minimum Balance of $1,000. ARM rates are adjustable. Minimum Balance of $500. Broker Processing Fee. Annual Percentage Rate Calculator. ), we offer FREE Printed Checks and Cashiers Checks. DCCU's Welcome Home Loans are designed to provide affordable financing options for home buyers. Find the best residential mortgage rates in Canada* Tip: Click any two mortgage rates to compare typical payment amounts & interest. 1.990%: 2.585%: 3/1 ARM . Vehicles with mileage of 100,000 or greater, an additional 1% will be added to the qualified rate. Box 1365, Waynesboro, VA 22980 Let our Loan Consultant help you choose the loan that is right for you. Education. Resources for learning more about your finances. Home financing can seem like an … We stand for diverse mortgage options and great rates. Ready to get started? That's why we provide both great rates and personal service to our members. The max rate increase at the end of 5 years is 2.50%, with a 6% increase lifetime cap. Rate APR; Adjustable Rate Mortgage; 5/1 ARM. 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. ), and outline additional expenses that come with buying a home. Your existing Online Banking login credentials are not recognized by the mortgage application software. Diana takes time to get to know what is important to her members in order to provide the best possible service. Rates are subject to change without notice. For example: San Diego County = $701,501; Los Angeles/Orange Counties = $765,601; San … Just like everyone's picture of home is different, every buyer's situation is unique. Contact us today! Please be aware that information security and privacy policies may differ from those implemented by DCCU. Your local DCCU mortgage team will help you navigate the lending process, finding the home loan that's right for you. Rent vs Own Calculator. See what a mortgage from DCCU could do for you! Angel, who has been assisting borrowers since 2011, joined DCCU in 2014. What State is the property located in? 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. All home lending products are subject to credit and property approval. 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. A mortgage that enables the borrower to acquire a property, rather than refinance or pay for home improvements. Use Rate Tracker to notify you when a particular rate is available. 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. Whether you're a first time home buyer, ready for your next home, or are looking to refinance, DCCU has the right mortgage option for you. Second Mortgage Rates Fixed-Rate Home Equity Loan* Term Rate . Home means something different to everyone, and we know how important finding the right one is. DCCU Mortgage Advisor Serving Harrisonburg and the Rockingham County Area NMLS ID# 948511. Payment examples are principal and interest only. We break down the lending process for you, explaining each step, and the emotions you may experience along the way. Home Equity: A loan based on the borrower's equity in his or her home. The renewal date is the date on which the term of mortgage expires, not to be confused with the amortization period. DCCU Mortgage Advisor Serving Staunton and the Surrounding Area NMLS ID# 265398. "DCCU worked to fit our needs, for the mortgage we wanted.". ¹APR= Annual Percentage Rate. You are about to open a webpage that is not controlled or owned by DCCU. Yearly Private Mortgage Insurance. 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. Skip to content. 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. Good if you are planning to stay in your home for a longer term. a high-ratio, insured mortgage). 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. It's where you'll host backyard barbeques and family dinners. Sorry! 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. Her focus when working with homebuyers is to help them meet their goals. Lender's Inspection Fee. DCCU's mortgage team is excited to help make your dream of affordable home ownership a reality! Angel takes time to get to know what is important to her members in order to provide the best possible service. Please be aware that information security and privacy policies may differ from those implemented by DCCU. Dane County Credit Union offers low rates on fixed rate and adjustable rate home loans with low monthly payments and low down payments. No credits will be applied if your loan does not close with DCCU. You can get a 10, 15, 20 or 30 year fixed mortgage rate and be protected from the possibility of rising interest rates. The $1,250 closing cost credit can be waived on some DCCU low down payment loan options. Calculate your monthly payment and see how the principal is paid over time. Her focus when working with homebuyers is to help them meet their goals. That's where DCCU comes in to save the day! Rates, terms, index margin, and conditions are subject to change at any time and may vary based on creditworthiness, qualifications, and collateral conditions. Payment does not include taxes and insurance; actual payment may be greater. Payment Amortization Calculator. We stand for saving you money on loans. Fixed Rate Second Mortgage: 15 yrs. Required field. 8 Mortgages: DFCU Financial does business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. NMLS #401141 Rates effective as of 12/18/2020 *Credit subject to approval. 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. Qualified borrowers can finance up to 125% of the book value or 125% of the purchase price, whichever is less. 5/1 ARM 30-year amortization with 10% down and no private mortgage insurance required. *Closing costs credit only applies to qualifying loans that close and fund. Discover the advantages of our various Loan Options. Required field. Delta Community’s Fixed-Rate Mortgage is a conventional loan that is anything but conventional. View complete details and disclosure information. A mortgage that enables the borrower to acquire a property, rather than refinance or pay for home improvements. Early withdrawal penalties may apply. Example loan: $120,000 loan amount, 3.90% entry rate and 3.36% APR, $566.00 per month principal and interest payment. Loan Origination Fee to Lender. This is especially true of 10-year fixed mortgages. Required field. Our Adjustable-Rate Mortgages have a mix of a fixed rate period and an adjustable-rate period. Early withdrawal penalties may apply. As such, the starting loan amount for jumbo loans may vary based on county. Application Fee. At DCCU, we understand that purchasing or refinancing a home is one of the biggest decisions you'll make. Learn about personal loans, auto loans, mortgages, view rates, use mortgage calculators and help determine a loan right for you. The payment examples do not include mortgage insurance. Protect your money and your identity. Loan Rates. help desk software Routing# 251483311 Local Calls: 540.946.3200 Out of Area Calls: 800.245.8085 P.O. We offer personal banking, mortgages, loans & more. Aggregate Credit Limit Maximum is $30,000. Having lived in the Shenandoah Valley since … 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) … Debt … Your actual rate, payment, terms and costs could be different. 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. Rates & Services. Diana, who has been assisting borrowers since 2006, joined DCCU in 2013. Total Closing Costs. 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. 5-Year Fixed-Rate 4.250%. Tutorial videos for many of DCCU services. Skip to content. DCCU is the only complete mortgage lending solution. Video Center. Rate Can Change Every. Learn More: About Us. Use our Loan Options resources to help you develop a 3-D picture. Yet, rates for home loans consistently below four percent and sometimes in the low three percent range. 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! 30-year fixed-rate loan with 3% down payment with lender-paid private mortgage insurance. This mortgage allows you to make a lower monthly payment and build equity in your home faster than a higher fixed rate mortgage. Thank you for your patience as we process applications as quickly as possible. Contact the mortgage advisor near you with questions about buying or refinancing your home or to get pre-qualified or approved for a mortgage. 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. 4.254% $1,852.96. Mortgage Types. An additional charge, up to $10 may apply if member-supplied information is incorrect. 1.99% rates apply to 3/1 or 5/1 adjustable rate mortgage loans. Points to Lender. Conventional Fixed Rate – your rate stays the same throughout the life of the loan. APR Monthly Payment . You are about to open a webpage that is not controlled or owned by DCCU. Tax Service Fee. Because your home isn't just a house. Required field. 1.99% rates apply to 3/1 or 5/1 adjustable rate mortgage loans. Apply for a Loan Make a Payment. The main reason to take out a home equity loan is that it offers a cheaper way of borrowing cash than an unsecured personal loan. Our Home Loan Specialists are available to answer your questions about our mortgage options, rates or the home buying process. 4.377% $1,030.37. Due to an increased volume of applications and changes to accommodate social distancing, the home loan process will take longer than usual. Loan Origination Fee to Broker. Preferred Financing. 4.501% $764.99. Contact our Mortgage Team to get started with your new mortgage today. Click the mortgage term links to change the sorting of the table, based on the mortgage rate… DFCU Financial is an equal opportunity lender. DCCU will open at 10:00 a.m. on Thursday, December 17, 2020. Refinance: The process of obtaining a new mortgage, usually at a lower rate, to repay and replace an existing mortgage. Get an official Loan Estimate before choosing a loan. 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. ARM rates and payments may increase or decrease after consummation due … Even if you've bought a home before, the mortgage lending process can seem overwhelming. Calculate the difference between renting and buying a home. Underwriting Review Fee. Savings Rates. Mortgage Rates Accurate as of View a complete list of rates and disclosure information. Learn More; Calculators Fixed rate loan or variable? Having grown up in the Shenandoah Valley, … Months. All loans are subject to credit and collateral approval. ARM rates are adjustable. 30 year fixed rate loan with 10% down payment and no private mortgage insurance required. We stand for helping you build your savings. Points to Broker. Compare mortgage rates with other banks and lenders using our mortgage rate comparison chart below. 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. For our Senior Citizens age 55 and over who have a Direct Deposit of their primary source of income (Pension, Social Security, etc. 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. Consider an Adjustable-Rate Mortgage (ARM) 3, 4. Maximum Credit Limit is $30,000. The following online calculators serve as helpful tools during the mortgage process. complete list of rates and disclosure information, View complete details and disclosure information, ATM Network Foreign ATM withdrawal inquiry. Home loan rates are subject to change at anytime, without notice. 5.250 - 5.500: 5.394 - 5.645: $1,205.82 - $1,225.63: Disclosures . Our mortgage loan team is ready to help you get into your new house. All rates are updated daily and are for Canadian residents only. Rates are determined by your personal credit history, loan term, account relationship, and payment method. Properties that qualify for our Fixed-Rate Mortgages are primary residences, second/vacation homes and rental properties. Home Equity A loan based on the borrower's equity in his or her home. Mortgages. Calculate the APR for fixed-rate or adjustable-rate loans. Vehicles 2012 model year and newer. View a complete list of rates and disclosure information. It's where you will make lasting memories. Rates are effective December 9, 2020. Learn more about options to lock your rate while your loan is in process. Payment examples above are base on a $150,000 loan. 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. Enter Total Closing Costs. 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