Mortgage

Building your dream home? Buying a house? Refinancing your mortgage? At UVA Community Credit Union, we make you feel right at home.

Find the mortgage you need, whether you're a first-time buyer or long-time owner.

Our home loans are as varied as our members' goals. You can take advantage of competitive rates on fixed-rate and adjustable-rate home loans with various terms or take a closer look at special loan programs for first-timers, first responders and members of the military.

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If you're still looking for your next home, our Lock & Shop option lets you secure your interest rate while you shop.

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Lock in a great rate for 120 days, and enjoy one free float down if rates decrease.

Purchase a Home

Ready to buy a home? A mortgage from UVA Community Credit Union can open the door to your new life. 

Refinance A Home

A coat of paint. A roof repair. While you're doing everything else possible to keep your home in tip-top shape, consider whether a new home loan might also be a good move.  

Build A Home

Your dream is to build a customized home that is truly yours in every way. Our mission is to make that possible with the right mortgage. 

Specialty Home Loans

Are you in need of a specialized loan? UVA Community Credit Union has specialty home loan options to make your homeownership dreams a reality.

Hometown Heroes Mortgage Offer

This special home loan program helps borrowers who work in education, medical care, fire and rescue, law enforcement and the military.

Meet The Team

Our skilled professionals know the local marketplace and can help you find the right home loan.

All Mortgages Feature

  • Faster pre-qualifications
  • Local service
  • Flexible down payment options
  • Competitive rates on purchases and refinances
  • Budget Payment Plan - Bi-weekly payment option

Resources for success.

The Definitive Guide To Housing Resources
A Guide to Successful Homeownership
What Are The Common Types of Mortgages
UVA Community Credit Union is a full-service financial institution with locations throughout Virginia's Central Piedmont and Valley area.
Disclaimers

1Interest rates are subject to change. The interest rate you may receive will depend on your individual circumstances, including your credit history, loan amount, down payment, and our internal credit criteria. Other interest rates, points, and terms may be available. Payment example: Conforming 30 year fixed with a loan Amount of $400,000 and a purchase price of $500,000. Interest Rate of 6.641% with a .25% reduction. Annual percentage rate is 6.701%. P&I Payment is $3,565.48. Jumbo 30 year fixed with a loan Amount of $1,000,000 and a purchase price of $1,250,000. Interest rate of 6.891% with a .25% reduction and an annual percentage rate of 6.918%. P&I payment $6,579.98.

All loans subject to credit approval. Other restrictions may apply. UVA Community Credit Union membership eligibility is required. A minimum ongoing balance of $5 in a Share Savings Account is required.