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 benefiting from our Car Buying solution for you to get a charge card with competitive prices and zero charges, we’ve got the loans and credit lines you want.


Home Loans

Pick a loan provider you’ll trust. At DOCFCU, our experienced mortgage brokers should 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
  • Designed for main residences or homes that are secondno investment properties)
  • Loans as much as 97% loan-to-value*
  • First and second home loan combination loans as much as 90per cent loan-to-value
  • Handle your loan on line, including making payments
  • Designed for houses in every 50 states
  • Obtain a personalized, no responsibility price estimate
  • Get pre-qualified for the next home loan
  • 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 re payment history, always check your escrow balances, and even make an immediate payment that is online your account.

Have Mortgage Concerns?

For concerns regarding our application procedure, to have pre-approved or even to ask questions that are general getting a DOCFCU mortgage, please contact our professionals straight:

  • Mike B. (202) 808-3628
  • Celia M. (804) 368-6036
  • Kim V. (804) 368-6036
  • or e-mail us at

For concerns relating to your DOCFCU home loan application, please contact us at (804) 588-4788 or e-mail us at

For questions about your DOCFCU mortgage, please contact our home loan servicer at (877) 636-9790


Residence Equity Loan and personal credit line – Zero Closing expenses*

A property equity personal credit line from DOCFCU may be a smart method to fund many different requirements, including a house renovation or repairs, training costs, the journey of an eternity, if not just to combine financial obligation. Our lenders that are experienced prepared to assistance with tailored personal 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 variable price of a property equity credit line.

*No closing costs for an advance that is initial of10,000 or higher. 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 account. Other limitations may use, e mail us for details. NMLS #810389

Home Equity Personal Credit Line

  • A reduced adjustable interest price of Prime+0*
  • No closing expenses on an advance that is initial of10,000 or even more
  • Tax-deductible interest re payments (check with your income tax 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 $250,000

Home Equity Loan (2nd Trust)

  • The lowest fixed price
  • Tax-deductible interest re re payments (check with your taxation consultant for details)
  • The capability to borrow as much as 90per cent of one’s home’s value (minus your mortgage that is first balance as much as $100,000


Have actually questions? We’re right here to assist. Today please call 202.808.3600 to speak with one of our loan specialists.


Automotive Loans

A car loan from DOCFCU will allow you to drive a bargain that is hard. Whether you might be thinking about purchasing an innovative new or utilized vehicle, or refinance your existing automobile loan to save cash, our low prices and value-added services will make a huge difference.

  • As much as 105per cent on brand new and used financing
  • Fast approvals (Within a day or less)
  • Price matching open to members that are qualified
  • Relationship benefits discounts (can not be along with match price)
  • Free Autocheck for utilized cars with application for the loan

DOCFCU Automobile Buying Service, Run On TrueCar в„ў

We are going to additionally provide provide an associate .25% from the price when they utilize real automobile and supply us with all the certification of purchase.


Automobile Loan Calculators

Utilize our calculators that will help you calculate your monthly obligations.

Extra Solutions

There’s more to an intelligent deal when compared to a good cost. That’s why we provide a variety of extra programs and tools that will help you both purchase sensibly and protect your investment.

Extra Solutions

GAP Insurance to guard Your Loan

Fully guaranteed resource Protection (GAP) insurance assists relieve your monetary burden by spending the difference that is potentially high-cost your insurance coverage settlement along with your loan stability on things straight linked to the purchase of one’s automobile.

A loan officer at 202.808.3600 to find out more, be sure to contact .


  • ۹۰-day look that is free you may possibly cancel your protection within 3 months 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 when it comes to lifetime of this agreement that is financial.
  • Available on loans – safeguards used and new vehicles.
  • Main automobile insurance that is deductible as much as $1,000 of one’s automobile tax deductible.*

Extensive Car Service

Protect yourself from unforeseen, high-cost repairs, and of course, boost the resale value, if you opt to sell your car or truck.

Many car that is major happen following the factory warranty duration concludes. Without a car Service Agreement (VSA) — you may possibly find yourself investing in unanticipated 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 you an even more affordable way of protection for the new or qualified pre-owned automobile.

Consult with your loan officer regarding the choices and find out how you can cut back to 50% off dealer rates. You might qualify for protection even although you don’t actually have an auto loan with Department of Commerce Federal Credit Union.

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