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