From buying very first house to refinancing an mortgage that is existing or benefiting from our Car Buying solution for you to get a charge card with competitive prices and zero fees, we’ve got the loans and credit lines you may need.
Lending
Home Mortgages
Opt for a lender you can rely on. At DOCFCU, our experienced mortgage brokers would be you to choose the mortgage option that fits your needs and budget with you every step of the way, helping.
- Fixed and adjustable price choices available
- Loan amounts from $75,000 – to $1,500,000
- Readily available for primary residences or homes that are secondno investment properties)
- Loans as much as 97% loan-to-value*
- First and 2nd home loan combination loans as much as 90per cent loan-to-value
- Handle your loan on the web, including payments that are making
- Readily available for houses in most 50 states
- Obtain a personalized, no responsibility price estimate
- Get pre-qualified for the next mortgage
- Explore the resource offered to help you create choices that are smart
Convenient On The Web Mortgage Access
You will see your home loan declaration, review your re payment history, check always your escrow balances, and even make an immediate online repayment from your bank account.
Have Mortgage Questions?
For concerns regarding our application procedure, to have pre-approved or even to ask questions that are general obtaining a DOCFCU mortgage, please contact our specialists straight:
- Mike B. (202) 808-3628
- Celia M. (804) 368-6036
- Kim V. (804) 368-6036
- or e-mail us at info@docfcu.org
For concerns relating to your DOCFCU home loan application, please contact us at (804) 588-4788 or e-mail us at info@docfcu.org
For concerns with regards to your DOCFCU home loan, please contact our home loan servicer at (877) 636-9790
Lending
Residence Equity Loan and credit line – Zero Closing expenses*
A house equity credit line from DOCFCU could be a way that is smart fund many different requirements, including a house renovation or repairs, training costs, the journey of a very long time, and even only to combine financial obligation. Our lenders that are experienced prepared to assistance with tailored personal credit line simply for you.
A home equity loan, or trust that is“second, is another choice that substitutes a set price for the adjustable price of a house equity credit line.
*No closing costs for an initial advance of $10,000 or maybe more. Borrow as much as 90% of the home’s value (minus your mortgage that is first balance as much as $250,000 must certanly be qualified for DOCFCU rank. Other restrictions may use, e mail us for details. NMLS #810389
Residence Equity Credit Line
- The lowest adjustable interest rate of Prime+0*
- No closing expenses for an advance that is initial of10,000 or maybe more
- Tax-deductible interest re payments (check with your income tax consultant for details)
- The capacity to borrow as much as 90per cent of the home’s value (minus your very first home loan stability) as much as $250,000
Residence Equity Loan (2nd Trust)
- A decreased fixed price
- Tax-deductible interest re payments (check with your taxation consultant for details)
- The capability to borrow as much as 90per cent of the home’s value (minus your mortgage that is first balance as much as $100,000
Rates
Have actually questions? We’re right here to simply help. Today please call 202.808.3600 to speak with one of our loan specialists.
Lending
Automotive Loans
A car loan from DOCFCU will allow you to drive a difficult deal. Whether you’re buying an innovative new or utilized vehicle, or refinance your existing automobile loan to save lots of money, our low prices and value-added solutions will make a huge difference.
- As much as 105per cent on new and used financing
- Fast approvals (in 24 hours or less or less)
- Price matching open to members that are qualified
- Union benefits discounts (can’t be along with match price)
- Free Autocheck for utilized cars with application for the loan
DOCFCU Vehicle Buying Service, Running On TrueCar в„ў
We shall additionally offer offer an associate .25% from the price if they utilize True vehicle and offer us with all the certification of purchase.
Rates
Automobile Loan Calculators
Use our calculators to assist you calculate your payments that are monthly.
Extra Solutions
There’s more to a good deal compared to a price that is good. That’s why a variety is offered by us of additional programs and tools that will help you both purchase sensibly and protect your investment.
Additional Solutions
GAP Insurance to Protect Your Loan
Fully guaranteed resource Protection (GAP) insurance coverage assists relieve your monetary burden by spending the possibly high-cost distinction between your insurance coverage settlement as well as your loan stability on products straight linked to the acquisition of one’s vehicle.
To find out more, please contact that loan officer at 202.808.3600 .
Features
- 90-day free look – you might cancel your security within 3 months of one’s enrollment date and get the full reimbursement with no termination cost.
- Skipped payments – security includes skip-a-payment or delinquent-payment features for the lifetime of this agreement that is financial.
- Available on loans – safeguards used and new vehicles.
- Main automobile insurance deductible – pays as much as $1,000 of the car tax deductible.*
Extensive Car Provider
Safeguard your self from unforeseen, high-cost repairs, and undoubtedly, boost the resale value, if you opt to sell your automobile.
Many car that is major happen following the factory guarantee period concludes. Without an automobile Service Agreement (VSA) — you’ll end up spending money on unforeseen and costly repairs. Being a total outcome, extended protection for automobile repairs is now absolutely essential. Department of Commerce Federal Credit Union has teamed up with Intercontinental Warranty Services to offer an even more affordable way of protection for the brand brand new or qualified pre-owned car.
Consult your loan officer regarding your choices and find out how you can cut back to 50per cent off dealer rates. You might qualify for protection even although you don’t actually have a car loan with Department of Commerce Federal Credit Union.