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Affordable, Flexible Programs


As an important financial decision, you can turn to us for funding when purchasing or refinancing a home. Our experienced and friendly mortgage professionals are ready to help find a loan that's just right for you with:


  • Personal service
  • Competitive rates
  • Flexible underwriting
  • Low closing costs
  • Ease of application
  • Lot sizes up to 15 acres

Fixed Rate Mortgages

Choose from Conventional and VA fixed rate mortgage loans with any budget fitting term up to 30 years. Want to avoid paying Private Mortgage Insurance? We can help you decide which option is best for your situation.

Adjustable Rate Mortgages

We offer several different adjustable rate mortgage programs to meet your needs. These loans feature our lowest initial rates with fixed rate periods of up to seven years are available.

First-Time Homebuyer Mortgages

If you are purchasing your very first home, our First-Time Homebuyer programs could be the perfect way to get started. We offer options with fixed or adjustable rates, as well as low or no down payment. Home ownership counseling may be required for some programs.

Pledge Program

If you have savings to use as collateral, your loan amount can be for 100% of the purchase price. A VUCU certificate account of your choice is pledged as additional collateral. You get the benefit of more favorable loan terms while continuing to earn interest on the account and avoiding early withdrawal penalties.

Mortgage Loan Request

For more information, call 615-936-0300.

For additional consumer information from the Federal Reserve.

All loans are subject to credit approval and appraised value of the house. Payment includes principal and interest. Check with your tax advisor about tax deductibility of interest. VCU is an Equal Housing Lender.