Purchases
Finding the perfect home may have been a challenge, but financing it is easy. From fixed rates to adjustable rates, government programs to various term choices, the right mortgage is here for you.
Mortgage
First homes and forever homes. Brand new or with a touch of history. Whatever you're looking for in a place to live, you'll find a DECU mortgage that unlocks the door to your next opportunity.
Ready to make your move? Need time to research? We're here for you.
Refinances
Do you love your home but not your current home loan? See how we can help you save money on your monthly payment, shorten your term, access cash and achieve other goals through a refi.
First-Time Homebuyer
There's excitement about the possibilities and probably plenty of questions, too. Dive into this helpful guide to start your journey toward reaching the milestone of buying your first home.
Mortgage Options
You'll find plenty of them at DECU. Take a detailed look at the types of home loans we offer so you can find the one that fits your budget and lifestyle. And if you need help choosing, we're at your side.
Mortgage Resources
The more trustworthy information you have, the more prepared you'll be. Access videos and articles about all types of mortgage-related topics so you'll be ready for your next move.
Effective Date: February 23, 2024
| Product | Rate | APR** | Points | P&I |
|---|---|---|---|---|
| 30 Year | 7.250% | 7.392% | 0.2500 | $1,662.80 |
| 20 Year | 7.000% | 7.164% | 0.1250 | $1,889.79 |
| 15 Year | 6.875% | 7.044% | 0.0000 | $2,173.89 |
| 10 Year | 6.625% | 6.888% | 0.1250 | $2,783.26 |
| 5:5 ARM | 6.250% | 6.348% | 0.0000 | $1,500.81 |
| FHA 30 Year | 7.625% | 7.956% | 0.2500 | $1,725.25 |
| VA 30 Year | 7.625% | 7.788% | 0.3750 | $1,725.25 |
Make Your Dreams a Reality
For a custom quote or consultation on your home financing options, contact one of our specialists using the form below.
Mortgage Education Series
Check out these quick videos for an easy-to-understand overview of everything mortgage – from payments to loan types, terms, refinancing, and first time homebuyers tips.
Loan Types
Anatomy of a Mortgage Payment
Interest Rates
Frequently Asked Questions
You can apply for loans and credit cards at the same time you join! There is no waiting period before you can take advantage of all our member benefits. The moment you become a member, you can start applying for auto loans, mortgages, and every other service we have to offer.
Click here to apply for a mortgage. We currently offer first mortgages on primary and second homes in Virginia, North Carolina, South Carolina, and Ohio. Our online mortgage portal makes it super easy to apply and gives you control so you can check the status every step of the way
At this time, we do not offer land only or home construction loans.
- To speak to someone in our Mortgage Department please call 866-300-8240 or email decumortgage@dominionenergy.com
Dominion Energy Credit Union, headquartered in Richmond, Virginia, is a full-service financial institution that serves Dominion Energy employees and offers convenient digital banking services and Bill Payer so members can manage their money from anywhere.