Loans, Personal Lines Of Credit and Charge Cards

Loans, Personal Lines Of Credit and Charge Cards

From buying very first house to refinancing an existing mortgage; or using our Car Buying Service to getting credit cards with competitive prices and zero fees, we’ve got the loans and personal lines of credit you want.

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Home Loans

Pick a loan provider you can rely on. At DOCFCU, our experienced mortgage brokers may be you to choose the mortgage option that fits your needs and budget with you every step of the way, helping.

  • Fixed and rate that is adjustable available
  • Loan amounts from $75,000 – to $1,500,000
  • Readily available for main residences or 2nd domiciles (no investment properties)
  • Loans as much as 97% loan-to-value*
  • First and 2nd mortgage combination loans as much as 90per cent loan-to-value
  • Handle your loan on line, including payments that are making
  • Readily available for houses in every 50 states
  • Obtain a personalized, no responsibility price quote
  • Get pre-qualified for the next home loan
  • Explore the resource open to help you create smartly chosen options

Convenient On The Web Mortgage Access

You will see your home loan declaration, review your re payment history, look at your escrow balances, and even make a primary payment that is online your bank account.

Have Mortgage Concerns?

For concerns regarding our application procedure, to obtain pre-approved or even ask basic questions about getting 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 questions 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

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Residence Equity Loan and credit line – Zero Closing expenses*

A house equity personal credit line from DOCFCU may be a way that is smart fund a number of requirements, including a property renovation or repairs, training costs, the journey of an eternity, and even just to combine debt. Our experienced loan providers are willing to assistance with tailored credit line simply for you.

A property equity loan, or “second trust loan“, is another choice that substitutes a hard and fast price for the adjustable rate of a property equity personal credit line.

*No closing costs on an initial advance of $10,000 or higher. Borrow up to 90% of the home’s value (minus your mortgage that is first balance as much as $250,000 should be qualified for DOCFCU account. Other limitations may use, call us for details. NMLS #810389

Residence Equity Credit Line

  • A minimal interest that is variable of Prime+0*
  • No closing expenses for an initial advance of $10,000 or higher
  • Tax-deductible interest re re re payments (consult with your income tax consultant for details)
  • The capability to borrow as much as 90per cent of your home’s value (minus your mortgage that is first balance as much as $250,000

Residence Equity Loan (2nd Trust)

  • A minimal rate that is fixed
  • Tax-deductible interest re payments (check with your taxation consultant for details)
  • The capacity to borrow as much as 90per cent of one’s home’s world payday loan near me value (minus your very first mortgage stability) as much as $100,000

Prices

Have actually questions? We’re right here to aid. Please call 202.808.3600 to consult with certainly one of our loan experts today.

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Automobile Financing

A car loan from DOCFCU will allow you to drive a difficult bargain. Regardless if you are buying a fresh or utilized vehicle, or refinance your existing automobile loan to save cash, our low prices and value-added solutions could make a difference that is big.

  • As much as 105% on brand new and used financing
  • Fast approvals (in 24 hours or less or less)
  • Price matching open to qualified users
  • Union benefits discounts (is not along with match rate)
  • Free Autocheck for utilized cars with application for the loan

DOCFCU Vehicle Buying Service, Running On TrueCar в„ў

We’re going to also provide offer an associate .25% from the price when they utilize real vehicle and offer us because of the certificate of purchase.

Prices

Automobile Loan Calculators

Make use of our calculators that will help you calculate your payments that are monthly.

Extra Solutions

There’s more to a good deal when compared to a good cost. That’s why a variety is offered by us of extra programs and tools to assist you both purchase sensibly and protect your investment.

Extra Solutions

GAP Insurance to guard Your Loan

Assured resource Protection (GAP) insurance coverage assists relieve your monetary burden by spending the possibly high-cost distinction between your insurance settlement along with your loan stability on products straight linked to the purchase of the car.

For more information, please contact a loan officer at 202.808.3600 .

Features

  • 90-day free look – you’ll cancel your security within ninety days of one’s enrollment date and get a complete reimbursement with no termination charge.
  • Skipped payments – security includes skip-a-payment or delinquent-payment features for the life associated with the economic contract.
  • Available on loans – safeguards brand new and utilized vehicles.
  • Main car insurance deductible – pays as much as $1,000 of the car tax deductible.*

Extensive Car Provider

Safeguard your self from unanticipated, high-cost repairs, and undoubtedly, raise the resale value, if you opt to offer your car or truck.

Most car that is major happen after the factory guarantee duration stops. Without an automobile Service Agreement (VSA) — you may possibly find yourself spending money on unforeseen and repairs that are expensive. As being a outcome, extended protection for automobile repairs has grown to become a prerequisite. Department of Commerce Federal Credit Union has teamed up with Intercontinental Warranty Services to offer a far more affordable way of protection for the brand new or eligible vehicle that is pre-owned.

Consult with your loan officer regarding the choices and find out how you can conserve to 50per cent off dealer rates. You might qualify for protection even although you don’t now have a car loan with Department of Commerce Federal Credit Union.

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