Loans, Personal Lines Of Credit and Charge Cards

Loans, Personal Lines Of Credit and Charge Cards

From buying very first house to refinancing a preexisting mortgage; or benefiting from our Car Buying solution to getting credit cards with competitive prices and zero charges, we’ve got the loans and personal lines of credit you may need.

Lending

Home Loans

Select a loan provider you can rely on. At DOCFCU, our experienced mortgage brokers will likely to be with you every action associated with method, assisting you to select the mortgage choice that fits your preferences and spending plan.

  • Fixed and adjustable price choices available
  • Loan amounts from $75,000 – to $1,500,000
  • Readily available for main residences or payday loans PA 2nd houses (no investment properties)
  • Loans as much as 97% loan-to-value*
  • First and 2nd 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 smartly chosen options

Convenient On The Web Mortgage Access

You can view your home loan declaration, review your re payment history, look at your escrow balances, and even make an immediate payment that is online your account.

Have Mortgage Concerns?

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

  • Mike B. (202) 808-3628
  • Celia M. (804) 368-6036
  • Ron V. (804) 588-4787
  • or e-mail us at info@docfcu

For questions relating to your DOCFCU mortgage application, please contact us at (804) 588-4788 or e-mail us at info@docfcu

For concerns with regards to your DOCFCU home loan, please contact our home loan servicer at (877) 636-9790

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Home Equity Loan and Type Of Credit​

A property equity credit line from DOCFCU could be a smart solution to fund many different requirements, including a house renovation or repairs, training costs, the journey of an eternity, as well as merely to combine debt. Our lenders that are experienced prepared to assistance with tailored personal credit line simply for you.

A house equity loan, or “second trust loan”, is yet another choice that substitutes a fixed price when it comes to adjustable price of a property equity personal credit line.

Residence Equity Personal Credit Line

  • A reduced interest that is variable of Prime+0*
  • No closing expenses on an initial advance of $10,000 or higher
  • Tax-deductible interest re payments (consult 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 $250,000

Residence Equity Loan (2nd Trust)

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

Prices

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

Lending

Automobile Financing

A car loan from DOCFCU will allow you to drive a bargain that is hard. Whether you’re thinking about purchasing a unique or used vehicle, or refinance your existing automobile loan to save cash, our low rates and value-added services could make a difference.

  • As much as 105per cent on new and used financing
  • Fast approvals ( Within a day or less)
  • Price matching open to qualified users
  • Union benefits discounts (may 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 shall additionally offer offer an associate .25% off the price when they utilize real automobile and offer us because of the certification of purchase.

Prices

Automobile Loan Calculators

Utilize our calculators to assist you calculate your monthly premiums.

Additional Solutions

There’s more to an intelligent deal when compared to a price that is good. 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

Fully guaranteed resource Protection (GAP) insurance coverage assists relieve your monetary burden if you are paying the possibly high-cost distinction between your insurance coverage settlement as well as your loan stability on things straight associated with the acquisition of one’s car.

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

Features

  • 90-day free look – you may possibly cancel your protection within ninety days of one’s enrollment date and get the full reimbursement with no termination cost.
  • Skipped payments – security includes skip-a-payment or delinquent-payment features for the lifetime associated with agreement that is financial.
  • Available on loans – safeguards brand new and utilized vehicles.
  • Main automobile insurance that is deductible as much as $1,000 of your automobile tax deductible.*

Extended Car Provider

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

Many major vehicle repairs happen following the factory guarantee duration ends. Without a car Service Agreement (VSA) — you may possibly ramp up investing in unanticipated and repairs that are expensive. Being outcome, extended protection for car repairs has grown to become absolutely essential. 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 qualified pre-owned automobile.

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