Purchases
This is one of life's milestone moments. And we want to celebrate it with you by providing a mortgage tailored to your specific needs.
Lock in your rate for the full term of your home loan and your monthly principal and interest payments won't change.
- Select a conventional mortgage with terms available from 10 to 30 years
- Choose a Federal Housing Administration (FHA) Loan with as little as 3.5% down and flexible credit qualifications
- A Veterans Administration (VA) Loan requires little to no money down for qualified applicants
- Only 3% down required for first time home buyers on conventional loans
- Available on primary and secondary/vacation homes in Virginia, North Carolina, South Carolina, and Ohio*
Take advantage of a lower initial interest rate to save money during the first few years of homeownership. And there's a cap on how much the rate can increase over the term.
- Our 5/5 ARM features a 10% down payment and no private mortgage insurance
- A VA Loan requires little to no money down for qualified applicants
- Only 3% down payment required for first-time homebuyers on conventional loans
- Available on primary and secondary/vacation homes in Virginia, North Carolina, South Carolina, and Ohio*
| 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.
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
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From earning rewards to competitive rates, our credit cards are the perfect combination of perks, convenience and security.
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.