Loans, Personal Lines Of Credit and Charge Cards

Loans, Personal Lines Of Credit and Charge Cards

by Ronald Mcrogers

Loans, Personal Lines Of Credit and Charge Cards

From buying very first home to refinancing a mortgage that is existing or benefiting from 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 will need.


Home Mortgages

Select a loan provider you are able to trust. At DOCFCU, our experienced mortgage brokers will likely be to you every action associated with means, allowing you to pick the mortgage choice that fits your requirements and spending plan.

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

Convenient Online Mortgage Access

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

Have Mortgage Concerns?

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

  • Mike B. (202) 808-3628
  • Celia M. (804) 368-6036
  • Ron V. (804) 588-4787
  • 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 concerns relating to your DOCFCU mortgage, please contact our mortgage servicer at (877) 636-9790


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

A property equity personal credit line from DOCFCU may be a way that is smart fund many different requirements, including a property renovation or repairs, training expenses, the journey of an eternity, and on occasion even only to combine financial obligation. Our experienced loan providers are prepared to help with tailored personal credit line only for you.

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

*No closing costs for an initial advance of $10,000 or higher. Borrow as much as 90% of one’s home’s value (minus your very first home loan balance) as much as $250,000 must certanly be qualified for DOCFCU account. Other restrictions may use, call us for details. NMLS #810389

Home Equity Credit Line

  • A minimal adjustable interest price of Prime+0*
  • No closing expenses for a preliminary advance of $10,000 or maybe more
  • Tax-deductible interest re re 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 very first home loan stability) as much as $250,000

Residence Equity Loan (2nd Trust)

  • The lowest rate that is fixed
  • Tax-deductible interest re re payments (consult with your income tax consultant for details)
  • The capability to borrow up to 90per cent of the home’s value (minus your first home loan balance) as much as $100,000


Have actually questions? We’re here to simply help. 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 difficult deal. Whether you might be thinking about purchasing a fresh or utilized vehicle, or refinance your existing automobile loan to truly save money, our low prices and value-added solutions make a difference that is big.

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

DOCFCU Automobile Buying Service, Running On TrueCar â„¢

We shall additionally offer offer a part .25% off of the price with the certificate of purchase if they use True Car and provide us.

Automobile Loan Calculators

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

Extra Solutions

There’s more to an intelligent 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 safeguard Your Loan

Guaranteed in full resource Protection (GAP) insurance coverage assists ease your monetary burden if you are paying the difference that is potentially high-cost your insurance coverage settlement as well as your loan stability on things straight pertaining to the purchase of the automobile.

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

  • 90-day free look – you might cancel your security within 3 months of the enrollment date and receive the full reimbursement with no cancellation cost.
  • Skipped payments – security includes skip-a-payment or delinquent-payment features when it comes to life regarding the agreement that is financial.
  • Available on loans – safeguards brand new and utilized vehicles.
  • Main automobile insurance deductible – pays as much as $1,000 of one’s car tax deductible.*
Extended Car Provider

Safeguard your self from unanticipated, high-cost repairs, and undoubtedly, boost the resale value, if you decide to offer your automobile.

Many car that is major happen following the factory guarantee duration finishes. Without an automobile Service Agreement (VSA) — you may possibly find yourself spending money on unforeseen and costly repairs. Being outcome, extended protection for car repairs is now a requisite. Department of Commerce Federal Credit Union has teamed up with Intercontinental Warranty Services to offer an even more affordable way of protection for the new or eligible pre-owned car.

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

Ronald Mcrogers