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.
Mortgages
First homes and forever homes. Brand new or with a touch of history. Whatever you're looking for in a place to live, we have a mortgage that's a perfect fit.
Explore. Research. Plan. We’re here to help every step of the way.
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.
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
Financial education and resources to support your success
*Financing is not available on investment properties or mobile/manufactured homes.
**RATES POSTED ARE INDICATIONS ONLY AND ARE SUBJECT TO CHANGE WITHOUT NOTICE. IF YOU WISH TO LOCK IN YOUR RATE, PLEASE CONSULT DOMINION ENERGY CREDIT UNION. This estimate is based on a mortgage loan secured by a single family home that will be used as a primary residence. Other assumptions include: a loan amount of $243,750, an estimated property value of $325,000, and an assumed credit score of 780.Your actual rate and/or points may be different, as many factors go into providing you with a mortgage loan such as, the amount of the down payment, how much equity you have or whether you are purchasing, refinancing just the existing debt or refinancing & adding to the loan amount. The above scenarios do not include cash-out refinances and there may be credit score adjustments based on an applicant's credit history. PAYMENT EXAMPLES ONLY REFLECT PRINCIPAL AND INTEREST PAYMENT AND EXCLUDES ESCROW (REAL ESTATE PROPERTY TAX AND HOME OWNERS INSURANCE (AKA HAZARD INSURANCE), WHICH WOULD CAUSE THE ACTUAL PAYMENT TO BE HIGHER
Dominion Energy Credit Union, headquartered in Richmond, Virginia, is a full-service financial institution that serves Dominion Energy employees and offers a variety of mortgage products with competitive rates and low down payments.