Our Hometown Heroes Mortgage program is our way of saying thank you!
We believe that those who dedicate their lives to serving others deserve the strongest foundation—a home of their own. That’s why we created our Hometown Heroes Mortgage program: a special home loan with up to 100% financing designed exclusively for community champions.
Choose from a 30-year fixed-rate mortgage or 5/1 and 7/1 adjustable-rate mortgages (ARMs), depending on your needs.¹
This program was built exclusively for those who work in:
Education
Medical Care
Fire & Rescue
Law Enforcement
Military
You help our community every day!
With our Hometown Heroes Mortgage program, we want to help you achieve homeownership. We're proud to offer:
- No down payment
- Competitive Interest Rates
- Affordable Mortgage Insurance
- Fast, Local Service from People Who Care
1Borrower must hold an eligible position within the areas of education, medical care, fire and rescue, law enforcement, or military. Hometown Heroes scenario, $400,000 purchase price, $400,000 loan amount, FICO 780. Rates effective 3/11/2025. 30-year fixed-rate P&I plus Mortgage Insurance is $2,633.98; rate is 6.55%, APR is 6.83%. 5/1 ARM P&I plus Mortgage Insurance is $2,387.12; rate is 5.59%, APR is 6.41%. 7/1 ARM P&I plus Mortgage Insurance is $2,425.08; rate is 5.74%, APR is 6.39%. Financing valid for single-unit primary residence homes that meet specific criteria. Available exclusively for properties located in the Commonwealth of Virginia. Not available for secondary financing or for non-members or those ineligible for membership with UVA Community Credit Union. Excludes corporations, partnerships, trusts, foreign nationals, non-resident aliens, non-permanent aliens, co-signers, or non-occupant co borrowers. All loans subject to credit approval. UVA Community Credit Union membership eligibility is required.
Minimum ongoing balance of $5 in a Share Savings Account is required. Additional eligibility conditions required. NMLS #302946 (nmlsconsumeraccess.org). Equal Housing Opportunity.
Log in to Online Banking to apply.